Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16788836
Complaint Overview
Complaint ID: 16788836
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 752XX
Date Received: 2025-10-23T12:00:00-05:00
Date Sent to Company: 2025-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this third formal dispute regarding multiple inaccurate, unverified, and unauthorized items appearing on my credit reports. I am demanding permanent deletion, not correction, of the following entries, which continue to be reported in violation of federal law and cause ongoing harm to my creditworthiness. The first account, XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, is reported as Late Closed, while the same account is also listed as Charged Off with a balance of {$19000.00}. This contradictory reporting violates the FCRAs requirements for accuracy, verification, and reasonable reinvestigation, including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Additionally, the charged-off balance exceeds {$600.00} without a corresponding IRS Form 1099-C, which is required to validate debt cancellation. Because this account can not be verified as accurate, it must be permanently removed from my credit reports in accordance with FCRA 605B [ 15 U.S.C. 1681c-2 ]. The second account, XXXX Account No. XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$300.00} is being reported as a collection without proper validation or supporting documentation. Reporting unverified debts is prohibited under FDCPA 807 [ 15 U.S.C. 1692e ] and 809 [ 15 U.S.C. 1692g ], and allowing this unverified account to remain on my reports violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. Because no verification has been provided, this account must also be permanently deleted. Finally, my reports include an unauthorized inquiry by XXXX XXXX XX/XX/year>, which was conducted without my consent or any permissible purpose. This access violates FCRA 604 ( a ) and 604 ( f ) [ 15 U.S.C. 1681b ( a ) and 1681b ( f ) ], as well as 619 [ 15 U.S.C. 1681q ], and must be immediately and permanently removed in accordance with 605B [ 15 U.S.C. 1681c-2 ].
Frequently Asked Questions
What is Complaint #16788836 about?
Complaint #16788836 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-23T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.