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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute numerous inaccurate, incomplete, and unlawfully reported items currently appearing in my credit file. These entries violate multiple provisions of 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. I assert my legal right to an accurate and fair credit report and demand the immediate deletionnot correctionof the items outlined below pursuant to these federal statutes. 
My credit file includes a series of incorrect addresses which do not pertain to me, including but not limited to : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX These locations are neither current nor former residences of mine and should not be linked to my consumer profile. Under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. The inclusion of unrelated and erroneous addresses directly contravenes this obligation and constitutes a breach of statutory duty. 
Furthermore, my credit file reflects harmful financial entries that are equally erroneous. These include charge-offs reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; a late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and collections listed by 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. I dispute these items in their entirety as inaccurate and/or unlawfully reported. 
Particularly for the charge-off accounts, IRS Publication 4681 mandates that a creditor who has discharged a debt of {$600.00} or more must file Form 1099-C and report the forgiven amount as income. If such documentation was filed, then the reporting of the debt as " charged off and still owed '' is not only misleading but illegal. A debt can not be simultaneously charged off and actively collected without disclosing its discharged status. Failure to reconcile this inconsistency violates both the FCRA and FTC guidelines and gives rise to consumer harm and civil liability. 
In addition, I contest several recent hard inquiries which I did not authorize and which were not initiated in connection with any credit application. These include entries from XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and XXXX XXXX ( XX/XX/year> ). Under FCRA 1681b, consumer reports may only be accessed for permissible purposes, and each accessing party must have a legitimate reason, such as a consumer-initiated transaction. Unlawful inquiries constitute a breach of my privacy and an actionable offense. 
These reporting failures have caused substantial harm to my financial reputation and emotional well-being. I have experienced denials for necessary credit, suffered embarrassment, and endured emotional distress due to the portrayal of me as financially irresponsiblebased entirely on false data. Under FDCPA 1692d ( 2 ) and FCRA 1681i ( a ), I have the right to dispute and demand immediate reinvestigation and deletion of any information that can not be verified with documented evidence. 
I am exercising my right to demand full deletion under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681b, as well as FDCPA 1692g ( a ) and 1692c ( a ). Be advised that I do not consent to any phone calls ; all communication must be in writing, and any further reporting or verification of these disputed items without supporting documentation constitutes willful noncompliance and a violation of my rights under 15 U.S. Code 1681n. You are hereby given ten ( 10 ) days from receipt of this letter to complete a good faith investigation and respond in full, as required by FCRA and FDCPA guidelines including 1681k and 1692k. 
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! 
If applicable, I have enclosed supporting documentation including identity verification, proof of address, and relevant reports. Please delete the accounts and addresses listed, remove all unauthorized inquiries, and issue a corrected credit report to the address above.

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