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: TX

Complaint narrative:
I am writing to formally dispute and report a series of critical inaccuracies on my credit report that violate my rights 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. ). These inaccuracies include false personal addresses, questionable account entries reported as charge-offs, collections, or delinquent, and numerous unauthorized or unwarranted hard inquiries. These erroneous entries are damaging my creditworthiness and infringe upon my consumer protections under federal law. 
XXXX. Inaccurate Address Entries The following addresses are incorrectly listed on my credit report. I have never lived at any of these locations : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX These addresses must be removed immediately as they reflect errors in identity data, a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy.

2. Disputed Account Entries My credit file includes the following accounts that are reported as charge-offs, late payments, or collections. These accounts are either unverifiable, inaccurately reported, or legally questionable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off, opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off, opened XX/XX/XXXX, high balance {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off, opened XX/XX/XXXX, high balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off, opened XX/XX/XXXX, high balance {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment, opened XX/XX/XXXX, high balance {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection, opened XX/XX/XXXX, XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, opened XX/XX/XXXX, balance {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, opened XX/XX/XXXX, XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, opened XX/XX/XXXX, high balance {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection, opened XX/XX/XXXX, high balance {$2300.00} Charge-offs such as those reported here may constitute cancellation of debt and potentially trigger IRS 1099-C filing requirements under IRS Publication XXXX681. Per federal tax regulations, If a debt is canceled, forgiven, or discharged for less than the full amount owed, the amount of the canceled debt is taxable and must be reported on a 1099-C. If any of these accounts were canceled or discharged and reported as charge-offs, yet no 1099-C was issued to me, this may constitute unlawful double-damaging reporting.

These furnishers and credit reporting agencies are in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for failing to ensure only accurate, verifiable information is included. They also fail under 1681i for not investigating disputes properly. 
XXXX. Unauthorized or Excessive Inquiries My credit file also shows multiple hard inquiries that I do not recall authorizing, which may violate FCRA 1681b : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries must be investigated and removed if not lawfully authorized. 
XXXX. Harm, Demand, and Legal Notification Due to these violations, I have experienced emotional distress, reduced access to credit, and denial of financial opportunities. This is unacceptable and unlawful under FCRA and FDCPA provisions. I demand the full deletionnot correctionof each inaccurate address, account, and inquiry identified above.

You are hereby notified that per 15 U.S.C. 1681n and FDCPA 1692k, I reserve my right to pursue civil remedies in the event of willful noncompliance or negligence. Please complete all investigations and provide written confirmation within 30 days as required by 1681i. Any failure to do so will be seen as a willful violation. 
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