Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : * -- XXXX XX/XX/XXXX Re : Ongoing Credit Reporting Violations Formal Dispute Notice To Whom It May Concern : As a legally aware consumer exercising my rights under federal law, I am submitting this formal dispute regarding multiple violations present in my TransUnion credit file. Despite prior attempts to correct inaccuracies, several accounts and personal data entries remain improperly reported. Your duty under the Fair Credit Reporting Act ( FCRA ) requires complete removal of inaccurate or unverifiable information. 
Newly Identified Items in Violation The following items are inaccurate, outdated, or unverifiable and must be deleted immediately : Charge-Off Accounts : XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX  High Balance : {$1000.00} Status misrepresented ; not validated with supporting documentation XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$540.00} Continues to report as collectible despite charge-off XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} Unverified ownership and no proof of legal obligation Obsolete Addresses : The following addresses are inaccurate, outdated, or never associated with me : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX ( multiple variants ) XXXX XXXX XXXX, XXXX XXXX TX XXXX ( multiple variants ) XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My current and only accurate address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Unauthorized Hard Inquiries : Please remove all the following inquiries, which were made without my express written permission as required under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ( full list available upon request ) These inquiries are excessive, unauthorized, and harmful to my credit profile. 
Legal Authority Cited : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

IRS Publication 4681 & Form 1099-C Charge-offs treated as canceled debt CFPB, FTC, and other regulatory guidance Reporting a charge-off as a collectible debt post-1099-C issuance constitutes misrepresentation. Unverified entries and outdated data violate both FCRA and FDCPA provisions.

Ongoing Harm & Action Demanded These errors continue to damage my financial standing, reduce my score, and hinder access to credit, housing, and employment. I demand the following actions : 1. Immediate deletion of all inaccurate addresses, inquiries, and accounts.

2. Full verification documentation, including : o Original signed contracts o Chain of title/ownership o Payment and balance history 3. Cease further reporting of unverified or outdated data.

Failure to comply will result in formal escalation to the CFPB, FTC, XXXX, and legal counsel. You have 10 days from receipt of this letter to respond. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal Counsel File

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation