Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
I am submitting this formal dispute under 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. ) concerning multiple items on my credit report that are inaccurate, unverified, and harmful to my personal credit integrity. These include erroneous address records, disputed charge-off and collection accounts, and numerous unauthorized inquiries. I request their immediate and permanent deletion. 
Inaccurate Address History : The following addresses listed in my credit report are factually incorrect and unrelated to me. Their presence violates the FCRAs requirement to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX These entries suggest either file mixing or identity theft. Please delete all of these incorrect addresses immediately. 
Disputed Accounts Charge-Offs & Collections : The following accounts are disputed and must be removed. The reporting is inaccurate, unsupported by required validation, and in one or more cases, lacks IRS Form 1099-C that should have been issued upon charge-off ( per IRS Publication 4681 ) : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$320.00}, Date Opened : XX/XX/XXXX Charge Off XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : Not reported Charge Off XXXX # XXXX XXXX  High Balance : {$180.00}, Date Opened : XX/XX/XXXX Collection Unless you or the original creditor furnish full validation of these debts under FDCPA 1692g ( a ), including a signed contract and complete payment history, you are in violation of federal law by continuing to report them. 
Unauthorized Hard Inquiries : The following recent inquiries were not authorized by me, nor initiated by any application or credit relationship. They are damaging my credit score and must be removed under FCRA 1681b : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 entries ) XXXX XXXX XXXXXX/XX/XXXX ( 2 entries ) Each of these inquiries must be removed unless you can prove they were initiated with my explicit written consent, as required under federal law. 
The cumulative damage from these inaccuracies has been severe. I have been denied housing and financial opportunities due to false reporting, and Ive experienced emotional and reputational distress as a result. This qualifies as harm under FCRA 1681n and 1681o, and under FDCPA 1692k, I am entitled to pursue all legal remedies if these errors are not rectified within 10 days. 
Therefore, I demand the following : Deletion of all the listed inaccurate addresses Permanent removal of all three disputed accounts Erasure of the ten unauthorized inquiries listed above 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