Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request immediate investigation and correction/removal of multiple erroneous entries on my credit report, including charge-offs, collections, unauthorized inquiries, and serious address discrepancies. These violations are in direct breach of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which ensures that consumer reporting agencies maintain accurate and verifiable information.

1. Incorrect Address Listings ( FCRA 1681e ( b ) ) My credit report reflects numerous inaccurate and inconsistent addresses, including : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at many of these addresses. These inaccurate listings compromise my personal and credit identity and may indicate identity theft. Under FCRA 1681c, outdated and inaccurate address information must be corrected or removed.

2. Charge-Off Accounts ( FCRA 1681s-2 ( a ), ( b ) ) The following accounts were marked as charged off without proper investigation or validation : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$370.00} These charge-offs may violate FCRA 1681i, which requires reinvestigation when information is disputed. I demand validation of each debt, including full documentation bearing my signature, original contract, and breakdown of the debt amount. 
3. Collection Accounts ( FDCPA 809 and FCRA 1681b ) The following collections were reported without proper notice or debt validation : 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 XXXXXX/XX/XXXX, Balance : {$900.00} These debt collectors are required by the Fair Debt Collection Practices Act ( FDCPA ) to provide a validation notice within 5 days of contact, which never occurred. Without proper validation, these accounts must be removed. 
4. Unauthorized Hard Inquiries ( FCRA 1681b ( c ) ) The following hard inquiries appear on my report without permissible purpose or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681b ( c ), a creditor must have explicit consumer consent or permissible purpose to access a credit report. These inquiries appear to be unauthorized and must be removed immediately.

Relief Requested I am requesting the following actions be taken immediately : 1. Full investigation into each of the accounts listed above, including validation of all debts. 
2. Removal of all unverified charge-offs and collections that lack full documentation or were reported in error.

3. Deletion of all inaccurate addresses from my credit profile.

4. Removal of unauthorized hard inquiries.

5. Written confirmation that these issues have been addressed.

Legal Support & Consumer Rights This complaint is filed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under these laws, I have the right to : Accurate credit reporting ( FCRA 1681e ) Dispute any inaccurate or unverifiable information ( FCRA 1681i ) Receive debt validation ( FDCPA 809 ) Protection from unauthorized inquiries ( FCRA 1681b ) Failure to respond to this dispute in compliance with federal regulations will result in legal action and escalation to the relevant state Attorney Generals office.

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