Consumer complaint received 2025-05-23 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:
Under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am writing to formally dispute a series of inaccurate and unverifiable entries currently reported on my credit profile. These entries violate federal consumer protection statutes and present a materially misleading account of my identity and credit history. I demand the immediate deletionnot correctionof these items, as continued reporting constitutes a willful breach of my rights under federal law. 
The credit reports associated with my name falsely attribute the following addresses to me, none of which are nor have ever been my place of residence : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( including XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Additionally, several account entries must be disputed for factual and legal reasons. For example, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is inaccurately listed with both a late payment and as a charge-off. A debt can not simultaneously be actively delinquent and charged-off. The same account, reported under XXXXXXXX XXXX XXXX XXXXXXXX, reflects contradictory statuses, undermining the integrity of the data. 
Multiple accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with various high balances and opened dates ( ranging from XXXX ) XXXX XXXX are also reported with repeated late payments. I request that these be thoroughly investigated for duplicative reporting or errors, as redundant entries across different balances and dates imply potential furnishing violations. 
Further, the XXXX XXXXXXXX XXXX XXXX XXXX collection account, allegedly opened on XX/XX/XXXX, is unknown to me and was never validated per FDCPA 1692g ( a ). As this account has not been proven valid or authorized by me, its presence on my report is unlawful. 
Hard inquiries listed from entities such as XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX, and others were made without my express permission or involvement in any related transaction. Under FCRA 1681b, any inquiry must be pursuant to a permissible purpose and with my written consent, especially if for employment or credit applications. Their presence without authorization or notification is a violation. 
As mandated by law, I remind you of your obligations under : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report information accurately. 
FCRA 1681e ( b ) Consumer reporting agencies must ensure the maximum possible accuracy of the information. 
FDCPA 1692g Debt collectors must provide validation upon request. 
IRS Publication 4681 Any debt charged-off and cancelled must be accompanied by a 1099-C form, acknowledging debt forgiveness for tax reporting. If such form exists, the debt was forgiven and can not legally remain on my report. 
The presence of these erroneous items has inflicted real harm : denial of credit, increased insurance premiums, and emotional distress. These misreports have materially damaged my ability to secure basic financial opportunities and eroded my confidence in the credit reporting system meant to serve consumers fairly. 
You are hereby notified to delete the aforementioned addresses, inquiries, and accounts entirelynot correct them. Further, I demand that all communications from you be in writing, fully compliant with FCRA and FDCPA standards. You are required to respond within 10 days, pursuant to FDCPA 1692k and FCRA 1681n, or risk civil liability for continued violations. 
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!

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