Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a comprehensive dispute regarding several inaccuracies and violations present on my credit report. The information being reported is both misleading and contradictory to the provisions of various federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), and others. My aim is to rectify these errors promptly, as they are infringing upon my rights as a consumer and detrimentally impacting my credit profile. 

Address Inaccuracies : I have noted discrepancies in the address listed on my credit report, including the following, which I have never lived at : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Please remove these addresses from my credit report, as they are not associated with my residential history. 

Specific Disputes : XXXX XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status, balance, and credit limit reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( B ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

XXXX. XXXX XXXX XXXX XXXX [ Account Numbers : XXXX and XXXX ] - Violations : Inaccurate account status, balance, and payment history reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

XXXX. XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status, balance, and past due amount reported.

- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

XXXX. XXXX XXXX  [ Account Number : XXXX ] - Violations : Inaccurate reporting with unknown payment history. 
- Violation of FCRA Sections 607 ( a ) ( 1 ) and 623 ( a ) ( 2 ). 

XXXX XXXX  [ Account Number : XXXX ] - Violations : Inaccurate account status and balance reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] - Violations : Inaccurate account status, balance, and past due amount reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

XXXX. XXXX XXXX [ Account Number : XXXX XXXX XXXX XXXX XXXX XXXX - Violations : Inaccurate credit limit reported. 
- Violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXX. XXXX [ Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate balance, highest balance, and payment history reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). 

Fraudulent Inquiries : XXXX. XXXX XXXX - Inquiry Date : XXXX XXXX XXXX - Violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXXXX XXXX XXXX XXXX Violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXX  - Inquiry Date : XXXX XXXX, XXXX XXXX Violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

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 non-monetary relief