Consumer complaint received 2025-04-22 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 hope this letter finds you well. I am writing to formally dispute multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ) and continue to hinder my path to financial recovery. 
________________________________________ Inaccurate Addresses The following addresses have either been erroneously reported, duplicated, or are no longer accurate : XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : These entries are either outdated, duplicated, or not connected to my current or verified residence history. 
FCRA Violation : As per FCRA 607 ( b ), credit reporting agencies must ensure that all data reported is accurate and up to date.

Action Requested : Please delete all inaccurate and duplicate addresses from my report immediately. 
________________________________________ Account Dispute Charge-Off XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * Date Opened : * * XX/XX/XXXX Balance : {$3500.00} Status : Charge-Off Issue : This account has been reported as a charge-off. However, I have not received any proper notification, validation of the balance, or documentation regarding attempts to resolve this matter.

FCRA Violations : 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 611 ( a ) Failure to conduct a reasonable investigation upon dispute 609 ( a ) ( 1 ) Right to request the sources and methods of verification Emotional Context : I experienced serious financial distress during this period due to unexpected health and family hardships. I reached out for help but felt abandoned in the process. This charge-off does not reflect my intention or capacity to pay, and I never received proper validation of the debt. 
Action Requested : Please initiate a reinvestigation of this account. If it can not be fully validated with appropriate documentation, I respectfully request its permanent removal from my credit report. 
________________________________________ Excessive and Unverified Hard Inquiries The following hard inquiries appear excessive, duplicative, or unauthorized : XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Issue : I did not authorize many of these inquiries, and some appear to be duplicates from the same creditors on the same date. This is damaging my score without merit.

FCRA Violation : Under FCRA 604 ( a ), credit bureaus must ensure that hard inquiries are only recorded when there is a valid permissible purpose and consumer authorization. 
Action Requested : Please remove all unauthorized, outdated, or duplicate inquiries from my credit file.

________________________________________ Closing Note A Human Perspective I am not just a credit fileI am a human being trying to rise above lifes hardships. Mistakes were made in the past, but today I am rebuilding with strength and honesty. All I ask is for my credit report to reflect the truth, not assumptions or system-generated errors. 
Please consider this letter a formal request for reinvestigation under FCRA 611 and respond within 30 days, as required by law. Also, I respectfully request a free updated copy of my credit report reflecting these changes.

Thank you for your time, attention, and fairness in correcting these matters. 
Warm regards, XXXX XXXX

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