Consumer complaint received 2025-05-20 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:
To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This letter constitutes my legal demand for the immediate investigation and permanent deletion of multiple entries that are false, incomplete, and unlawfully damaging to my credit reputation. These errors include inaccurate personal information, multiple unverified charge-off and collection accounts, late payment misreporting, and numerous unauthorized inquiries.

First, my credit report contains several incorrect addresses that I have never resided at. These include : XXXX XXXX XXXX XXXX XXXX TX XXXX ( also listed with zip XXXX ) ; XXXX XXXX XXXX, XXXX TX XXXX ( also with zip XXXX  and XXXX XXXX ) ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX. These listings are false and have led to confusion and misidentification. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy, which clearly has not occurred here.

Furthermore, there are numerous charged-off accounts erroneously attributed to me, including : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ), XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ), and XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate data, and your failure to confirm the legal enforceability of these charged-off debts violates both FCRA and FDCPA standards.

If any of these charge-offs were forgiven, canceled, or settled, then per IRS Publication 4681 and 26 U.S.C. 6050P, the creditor should have issued a 1099-C. This form is mandatory when {$600.00} or more is canceled. Failure to provide or report this document while still listing the account as delinquent is deceptive, legally deficient, and indicative of an unenforceable debt.

In addition, there are several collection accounts that must be removed due to lack of verification and statutory compliance. These include : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX # XXXXXXXX XXXX. These debt collectors have not provided proper validation as required by 15 U.S.C. 1692g ( a ) and continue to report debts without lawful proof of ownership or accuracy.

Also included in my report is a late payment entry from XXXXXXXX XXXX # XXXX XXXX XXXX, which is inaccurate and disputed. This entry violates 15 U.S.C. 1681e ( b ) for failing to ensure the timeliness and correctness of data reported. Any negative reporting without substantiation and complete recordkeeping is unlawful.

Lastly, I did not authorize the following inquiries, which constitute a breach of 15 U.S.C. 1681b : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These inquiries appear without permissible purpose, were not initiated by me, and must be removed immediately. 

This wrongful reporting has harmed me personally and professionally. I have been denied credit, experienced stress and anxiety, and suffered irreparable damage to my financial reputation. 

Pursuant to 15 U.S.C. 1681i ( a ) and 1681n, you are now formally on notice and must respond within 10 calendar days with written confirmation of the deletions or your intent to correct this information. Continued failure to comply will subject you to civil liability under both the FCRA and FDCPA.

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 LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES!

Enclosed are copies of my government-issued ID and proof of current residence. Thank you for your prompt attention.

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