Consumer complaint received 2025-04-19 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:
This is a formal request for reinvestigation of the inaccurate, outdated, or unverifiable information that still appears on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and requesting deletion or correction of each item listed below. These accounts are not reporting accurately and are having a negative impact on my credit profile. 
________________________________________ PERSONAL ADDRESS DISPUTE The following addresses are incorrect, outdated, or not associated with my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : These addresses are either outdated, duplicates with formatting errors, or simply not connected to me.

FCRA Violation : Reporting incorrect personal identifying information violates FCRA 602 ( a ) and 609 ( c ).

Action Requested : Please delete all addresses listed above and retain only my current verified address. 
________________________________________ LATE PAYMENTS DISPUTE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1100.00} Issue : Late payment history is inaccurate and was never validated. 
FCRA Violation : FCRA 611 ( a ) inaccurate data must be corrected or removed after reinvestigation.

Action Requested : Remove the late payment history or delete the account entirely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1500.00} Issue : Late payments reported in error and not supported by proper validation. 
FCRA Violation : FCRA 623 ( a ) ( 1 ) furnishers must report complete and accurate information.

Action Requested : Remove late payment entries or delete the account if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$33000.00} Issue : Late payments were not properly validated or documented. 
FCRA Violation : FCRA 611 and 623 inaccurate and unverifiable information.

Action Requested : Correct the payment history or delete the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$980.00} Issue : The late payments are recent and have not been verified.

FCRA Violation : FCRA 611 you must remove unverifiable information after a dispute.

Action Requested : Remove the late payments or the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$860.00} Issue : Payment history is inaccurate and does not match my records. 
FCRA Violation : FCRA 609 ( a ) ( 1 ) consumer has the right to know and dispute incorrect information.

Action Requested : Delete inaccurate payment history or remove the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$60.00} Issue : The account history is not accurate and has not been properly validated. 
FCRA Violation : FCRA 611 and 623 ( a ) ( 1 ).

Action Requested : Remove late payments or delete the account if unverifiable. 
________________________________________ CHARGE-OFF ACCOUNT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$120.00} Issue : This account is charged off and is damaging my credit. No proper validation or notice has been provided. 
FCRA Violation : FCRA 623 and 609 inaccurate or unverifiable charge-off accounts must be removed.

Action Requested : Delete the account if charge-off can not be verified with original signed documentation. 
________________________________________ COLLECTION ACCOUNT DISPUTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$260.00} Issue : I was never notified or validated about this debt. 
FCRA Violation : FCRA 611 and FDCPA 809 ( b ) debt collectors must validate debts upon request.

Action Requested : Delete this collection if no proof of debt ownership and details are provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$16000.00} Issue : No signed documentation has been provided to prove this debt belongs to me. 
FCRA Violation : FCRA 609 ( a ) ( 1 ) and FDCPA 809 unverifiable debt must be removed.

Action Requested : Delete the collection account immediately.

________________________________________Final Request Under the FCRA, I am entitled to a reinvestigation and written results within 30 days. Please send me : An updated copy of my credit report Written results of the reinvestigation The method of verification and the original source of the disputed information Thank you for your prompt attention to this matter. I look forward to your confirmation that the above items have been corrected or deleted. 
Sincerely, 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