Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
I am writing to formally dispute multiple inaccurate and harmful items currently being reported on my credit file. These entries are not only factually incorrect but also represent serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Fraudulent Addresses Listed : Two addresses are incorrectly associated with my credit report : XXXX Falling XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Branch XXXX XXXX XXXX I have never resided at these locations. Their presence on my report suggests either identity theft or a mismerging of another consumer 's information with mine, in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

2. Inaccurate or Fraudulent Account Entries : The following accounts are inaccurately reported and are causing unjust damage to my credit standing : XXXX XXXX XXXX  ( Acct : XXXX XXXX XXXX XXXX  * : Shows a late payment. I dispute this entry as inaccurate and request proper documentation and verification per 15 U.S.C. 1681i ( a ). 

XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Listed in collections with a high balance of {$750.00}. I have no knowledge of this debt. If this is the result of identity theft, please investigate under 15 U.S.C. 1681c-2. 

XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reported as charged off with a balance of {$9100.00}. I dispute this as inaccurate. If this is fraud-related, I request removal and suppression under 15 U.S.C. 1681c-2. 

* XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  : Listed as a collection account opened on XX/XX/XXXX with a high balance of {$8600.00}. This date is in the future and appears clearly erroneous or fabricated. 

XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX : Listed as a collection with an open date of XX/XX/XXXX, another future date. This reporting is inaccurate and misleading, violating the accuracy provisions of the FCRA. 

XXXX : I became aware of these issues while reviewing my credit report in [ XXXX, XXXX ]. 

I have since submitted disputes to the credit bureaus and attempted to contact furnishers for verification. 

Despite these efforts, the disputed items remain unresolved. 

Personal Impact : These errors have severely impacted my credit score and caused me emotional distress and financial harm, including denial of credit, higher interest rates, and reputational damage. 

Requested Resolution : I request the CFPBs assistance in compelling the credit bureaus and furnishers to : Immediately delete all fraudulent addresses. 

Remove or correct all disputed account entries that can not be properly verified. 

Investigate the possibility of identity theft or file contamination. 

Provide written confirmation of deletions or corrections. 

I am attaching supporting documents, including identity theft reports, proof of address, and prior dispute correspondence. 

Thank you for your attention to this urgent matter.

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