Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16822505
Complaint Overview
Complaint ID: 16822505
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: Pennsylvania
ZIP Code: 19013
Date Received: 2025-10-25T12:00:00-05:00
Date Sent to Company: 2025-10-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This serves as my second formal follow-up demanding the permanent deletion of accounts and inquiries that remain inaccurately reported and unverifiable on my credit profile. These items continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCPA ). Please note that this letter is not a correction request but a formal demand for full deletion of the accounts and inquiries listed below due to noncompliance and lack of verifiable validation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ; FCRA 605B 15 U.S.C. 1681c-2 This account continues to report inaccurately despite a zero balance and lack of verifiable delinquency. No substantiated documentation or lawful evidence has been provided. Immediate permanent deletion is required. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * Violations : FCRA 611 ( a ) ; FCRA 605B This account is being reported as Charged Off without evidence of balance or 1099-C issuance. As no valid proof of debt exists, this trade line must be permanently removed under the law. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance Owed : {$1800.00} * * Violations : FCPA 807 ( 15 U.S.C. 1692e ) ; FDCPA 809 ( 15 U.S.C. 1692g ) ; FCRA 605B 15 U.S.C. 1681c-2 This collection is reported without proper validation or notice of debt verification. Under FDCPA 809, collectors must provide verification before reporting ; absence of this constitutes unlawful reporting and requires permanent deletion. XXXX XX/XX/year> XXXX XX/XX/year> Violations : FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; FCRA 605B 15 U.S.C. 1681c-2 These inquiries appear without permissible purpose or my consent. Under FCRA 604 ( f ), any access to a consumer report without a legally defined purpose is unauthorized and must be permanently deleted.
Frequently Asked Questions
What is Complaint #16822505 about?
Complaint #16822505 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 2025-10-25T12:00:00-05:00.
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.