Consumer complaint received 2025-05-22 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:
Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), I am submitting this letter as a formal dispute against several materially inaccurate and unauthorized entries currently reflected on my credit file. These false items are not only misleading but also legally actionable, and I demand their immediate and permanent removal. 
My consumer file falsely lists addresses that are neither current nor previously associated with me in any legal or residential capacity. These include, but are not limited to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX presence XXXX these addresses constitutes a violation of FCRA 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. I never authorized nor resided at any of these addresses, and they must be purged from my credit report entirely. 
Additionally, I dispute the following accounts, which are unlawfully reported as charge-offs : XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened XX/XX/XXXX, high balance {$500.00} XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened XX/XX/XXXX, high balance {$680.00} If these debts were indeed charged off and canceled, then under IRS regulations and Publication XXXX, the creditor was legally obligated to issue a XXXX form and report the cancellation of debt to the IRS. Reporting these accounts as charged-off while simultaneously maintaining a claim against me constitutes double jeopardy and violates both the FCRA and IRS compliance standards. It is also a violation of FCRA 1681s-2 ( a ), which prohibits furnishers from reporting information known to be inaccurate. 
The continued reporting of these invalid items has caused serious and quantifiable harm, including credit denials, increased interest rates, and emotional distress. These are actionable injuries under 15 U.S. Code 1681n and 1692k, which allow for civil liability in cases of willful noncompliance. 
Accordingly, I am demanding the permanent deletionnot correctionof the above-referenced addresses and accounts. All further communication must be in writing, in compliance with FDCPA 1692c. Under 15 U.S. Code 1681b, only parties with permissible purpose may access my report, and you are required to maintain strict procedures for compliance. 
You are hereby given a XXXX legal window from the receipt of this letter to investigate and respond, as required by FDCPA XXXX ( a ) and FCRA XXXX. Any failure to comply or attempts to dismiss this notice through boilerplate responses will be considered willful negligence. 
Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. 
I AM FAMILIAR WITH THE XXXX & I KNOW IT IS IN MY RIGHT TO HAVE XXXX PARTY SOFTWARE HELP WRITE MY DISPUTES!

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