Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and unfair entries on my credit report issued by multiple credit reporting agencies. These entries have caused significant harm to my creditworthiness and financial standing. Despite my efforts to resolve these issues directly with the creditors and credit bureaus, these inaccuracies persist. Therefore, I am requesting CFPBs intervention to ensure these errors are corrected promptly, pursuant to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Below is a detailed account of the erroneous information on my credit report : XXXX. Incorrect Reporting of Addresses Reported Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : These addresses have been incorrectly associated with my credit file. I have never lived at these locations nor authorized these to be reported as my address. The presence of these erroneous addresses is misleading and negatively affects the accuracy of my credit report. 
Legal Basis : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to maintain accurate and complete information. Reporting incorrect addresses constitutes a violation of this requirement, as it impairs the reliability of my credit file. 
XXXX. XXXX XXXX Charge-Off Accounts Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Reported as Charge-Off with {$0.00} balance XXXX  XXXX XXXXXXXX XXXX XXXX ( Opened XX/XX/XXXX ) Reported as Charge-Off with {$0.00} balance XXXX  XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Reported as Charge-Off with {$0.00} balance Issue : These accounts are inaccurately reported as charge-offs. Either I have disputed these balances, settled them, or they have been incorrectly coded as charge-offs without proper validation or communication. This misreporting severely impacts my credit score and does not reflect my current financial obligations. 
Legal Basis : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and FCRA ( 15 U.S.C. 1681s-2 ), creditors and furnishers must provide accurate information and conduct reasonable investigations upon dispute. Failure to do so constitutes a violation of my rights. 
XXXX. XXXX  Late Payment Account Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) Reported with Late Payment ( s ), High Balance {$2600.00} Issue : The late payments reported on this account are inaccurate. I have made payments on time according to my records and statements. The inaccurate late payments reporting damages my credit score and misrepresents my payment history. 
Legal Basis : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Failure by XXXX and credit reporting agencies to correct these inaccuracies after my dispute is unlawful. 
Summary and Request : In light of the above, I demand the following actions be taken immediately : XXXX. Correction or deletion of all incorrect addresses reported on my credit report. 
XXXX. Thorough reinvestigation of the XXXX XXXX accounts listed as charge-offs to ensure their accuracy, including documentation validating the charge-off status. 
XXXX. Reassessment of the reported late payments on my XXXX/XXXX  account with correction of any inaccuracies. 
XXXX. Written confirmation of all investigations and corrections performed. 
XXXX. Removal of any inaccurate negative information that can not be verified or substantiated. 
Failure to address these issues promptly violates federal law and continues to cause me financial harm. 
Thank you for your prompt attention to this matter. I expect confirmation that corrective actions will be taken within the legally required timeframe.

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