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: NC

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable information being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request that you reinvestigate the items below. These inaccuracies are negatively affecting my creditworthiness. 
________________________________________ PERSONAL ADDRESS DISPUTE Please remove the following addresses from my credit file, as they are incorrect, outdated, or not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Multiple entries are duplicates or contain formatting errors. Some do not belong to me.

FCRA Violation : FCR

A 602 ( a ) and 609 ( c ) failure to maintain accurate and relevant consumer identifying information. Action Requested : Delete all addres
ses 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 XXXX XXXX  Date Reported : XX/XX/XXXX High Balance : {$1500.00} Issue : The reported late payments are inaccurate and unverified.

FCRA Violation : FCRA 611 ( a ) credit bureaus must remove unverifiable or incorrect information.

Action Requested : Delete the late payment history or remove the account from my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Reported : XX/XX/XXXX High Balance : {$380.00} Issue : Late payments are being reported inconsistently and do not match my payment records.

FCRA Violation : FC

RA 623 ( a ) ( 1 ) furnishers must report accurate data. Action Requested : Remove the lat
e payments or delete the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Duplicate entry with inconsistent reporting. This creates confusion and inaccurate reflection of my payment history.

FCRA Violation : FC

RA 607 ( b ) information must be complete and not misleading. Action Requested : Remove the
duplicate or merge records correctly ; delete late payments if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Issue : Payment history has errors that were not validated.

FCRA Violation : FCRA 611 incorrect data must be reinvestigated and removed if not verified.

Action Requested : Delete the late payment history or remove the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/XXXX High Balance : {$32000.00} Issue : Severe delinquency is being reported inaccurately without providing proper supporting documentation.

FCRA Violation : FCR

A 623 furnishers must ensure accurate and complete information is reported. Action Requested : Remove the la
te payments or the entire account if verification can not be provided.

________________________________________ HARD INQUIRIES DISPUTE The following inquiries were made without my authorization or permissible purpose, and I request their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were unauthorized, and I have no record of initiating contact with these companies.

FCRA Violation : FCRA

604 ( a ) ( 3 ) a permissible purpose must exist for any credit inquiry. Action Requested : Remove the above u
nauthorized hard inquiries from my credit report.

________________________________________ Final Request As per the Fair Credit Reporting Act, I am requesting : A full reinvestigation of each item listed Deletion of any unverifiable, inaccurate, or outdated information A written response detailing the results of your reinvestigation A free updated copy of my credit report reflecting any changes made I appreciate your prompt attention to this matter and expect all necessary corrections within 30 days. 
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