Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items listed on my credit report under my name. This is my third round of disputes with your bureau, and I am disappointed to see that these clearly unverifiable and incorrect records remain unresolved. 
CHARGE-OFF ACCOUNT IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX   Balance : {$3500.00} Status : Charge-Off Issue : This charge-off account is being reported with a remaining balance, which violates IRS 1099-C guidelines. If a 1099-C was filed for tax purposes, the balance must be reported as {$0.00}. Otherwise, this constitutes double-dipping attempting to collect on a debt that has already been charged off for tax relief. 
Additionally, the method of verification has not been provided despite previous requests. No signed contract, no original documentation, and no proper reinvestigation have been completed. 
FCRA 609 ( a ) ( 1 ) Failure to provide source of information FCRA 611 ( a ) Failure to conduct proper reinvestigation FCRA 623 Reporting inaccurate account status IRS 1099-C regulations Illegal balance retention after charge-off Immediately delete this account from my credit file or provide full validation including the original signed agreement and proof no 1099-C has been filed.

UNAUTHORIZED HARD INQUIRIES FCRA 604 Violations The following inquiries were not authorized by me. I never applied for credit or gave consent for these lenders to access my credit profile. As per FCRA 604, hard inquiries require permissible purpose and direct consumer consent. These inquiries are damaging my score and reflect possible identity misuse or application stacking. 

XX/XX/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  Please remove these inquiries from my credit file as they were unauthorized and violate FCRA 604 ( a ) ( 3 ). Provide proof of consent with time-stamped authorization if you choose to retain any of them. 
INACCURATE ADDRESSES REPORTING FCRA 607 ( b ) The following addresses are inaccurate, outdated, and not associated with my identity. Their presence on my credit profile raises concerns of possible mixed file errors or identity confusion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 607 ( b ) Duty to maintain accurate and complete files Action Requested : Delete all incorrect addresses from my credit report and retain only my current verified address on file. 
I am giving your office 15 days to respond with full validation and compliance with all federal consumer protection laws. If you fail to act within the FCRA-mandated 30-day period, I am prepared to escalate this matter to the CFPB, FTC, IRS, and my State Attorney General, and pursue legal remedies for damages caused by your negligent reporting.

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