Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple furnishers and credit reporting agencies ( CRAs ) due to the ongoing and repeated reporting of inaccurate, incomplete, and unverifiable information on my credit reports. This includes fraudulent or obsolete addresses, charge-offs, collections, and late payments that are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p. 
XXXX. Inaccurate and Fraudulent Addresses Reported The following addresses have never been associated with me, nor have I ever lived at or used them in connection with any credit activity. Their presence on my credit file is erroneous and misleading : XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, WV XXXX Legal Basis : Under FCRA 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting addresses where I have never resided fails to meet this standard. 
Request : I demand that these addresses be permanently deleted from my credit file and that CRA systems are updated to prevent further re-reporting. 
XXXX. Disputed Accounts aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$66.00} Date Opened : XX/XX/XXXX Status : Charged-Off Issue : This account has been reported as a charge-off without any prior validation or notice. No written notification of default or right to dispute was sent to me prior to its placement as a derogatory tradeline. 
Legal Basis : FCRA 1681s-2 ( a ) ( XXXX ) ( A ) : Furnishers must not report inaccurate information. 
FCRA 1681i : I have the right to dispute any inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( 15 U.S. Code 1692g ) : The debt must be validated and verified before any adverse collection action is taken. 
Request : I demand deletion of this charge-off as it was reported without proper validation and violates the FCRA and FDCPA. 
b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : XXXX XXXX has reported multiple late payments without sending me proper billing statements or validating the delinquency. I dispute the accuracy and completeness of these delinquencies. 
Legal Basis : FCRA 1681s-2 ( b ) : Upon dispute, the furnisher must conduct a reasonable investigation.

FCRA 1681c : Negative information, such as late payments, must be accurate and not misleading.

FDCPA 807 : It is unlawful to report false or misleading information in connection with the collection of a debt. 
Request : I demand that the late payments be removed or corrected with proper documentation and evidence of timely billing notices and due process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$4700.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account was placed for collection without proper validation or communication. I was not notified or given the opportunity to dispute the debt prior to its appearance on my credit report. 
Legal Basis : FDCPA 809 ( 15 U.S. Code 1692g ) : Requires debt validation and the opportunity for the consumer to dispute the debt. 
FCRA 1681b : Credit data may not be accessed or used without permissible purpose and fair process.

Request : I demand immediate removal of this collection account and a full investigation into its placement without validation.

Summary of Demands : 1. Immediate removal of all fraudulent or inaccurate addresses listed above.

2. Deletion or full investigation of all three disputed accounts listed with full documentation.

3. Written confirmation of the actions taken by the credit bureaus and furnishers. 
XXXX. Ensure compliance with the FCRA and FDCPA to prevent re-reporting or future violations. 
Conclusion : I am asserting my rights as provided under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If these issues are not resolved promptly and accurately, I reserve the right to escalate this matter to legal authorities, the State Attorney General, and the Federal Trade Commission ( FTC ).

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