Consumer complaint received 2025-06-06 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 writing to formally dispute and seek immediate correction of multiple inaccurate and unfair entries on my credit report, which have severely impacted my creditworthiness and financial standing. These issues involve several accounts with erroneous reporting of late payments, charge-offs, repossessions, collections, and multiple incorrect addresses that violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable regulations. 
Below is a detailed list of the disputed accounts, their respective account numbers, and the specific issues with each : XXXX. XXXX  XXXX  ( # XXXX * * * * ) Opened : XX/XX/XXXX * * o Reported as Charge-Off with a high balance of {$350.00}. 
o This account is inaccurately marked as charged off, despite my timely payments and settlement efforts. Under FCRA Section 1681i ( a ), I request a thorough reinvestigation of this account. 
XXXX. XXXX ( # XXXX * * ) Opened : XX/XX/XXXX * * o Reported late payments. 
o I contest these late payments as erroneous. Under FCRA Section 1681i and FDCPA Section 809 ( b ), I demand verification of the alleged delinquencies. 
XXXX. XXXX  ( # XXXX * * ) Opened : XX/XX/XXXX * * o Reported Repossession with a high balance of {$14000.00}. 
o The reported repossession is inaccurate and without prior notice as required by law. Under FCRA Section 1681s-2 ( a ) and Uniform Commercial Code ( UCC ) Article 9, I demand verification and removal if unverifiable. 
XXXX. XXXX  / XXXX  ( # XXXX ) Opened : XX/XX/XXXX * * o Reported late payments with a high balance of {$430.00}. 
o I dispute these late payments and request a detailed validation as per FCRA Section 1681i. 
XXXX. XXXX  ( # XXXX * * * * ) Opened : XX/XX/XXXX * * o Reported Repossession with a high balance of {$11000.00}. 
o This entry is inaccurate and misleading. Repossession must be reported only with proper documentation and notice per FCRA Section 1681s-2. 
XXXX. XXXX ( # XXXX * * * * * * ) Opened : XX/XX/XXXX * * o Reported Charge-Off with a high balance of {$1100.00}. 
o I dispute the charge-off status and request a full investigation under FCRA Section 1681i. 
XXXX. XXXX XXXX XXXX ( # XXXX * * ) Opened : XX/XX/XXXX * * o Reported Charge-Off with a balance of {$320.00}. 
o The account is inaccurately reported as charged off. Under FCRA and FDCPA, I demand reinvestigation. 
XXXX. XXXX  ( # XXXX * * ) Opened : XX/XX/XXXX * * o Reported Charge-Off with a balance of {$500.00}. 
o I dispute this charge-off and request documentation to validate this status under FCRA Section 1681i. 
XXXX. XXXX  ( # XXXX * * * * ) Opened : XX/XX/XXXX * * o Reported as a Collection with a balance of {$320.00}. 
o I request verification and removal of this collection entry if it can not be validated under FDCPA Section 809 and FCRA Section 1681i. 
Incorrect Address Reporting : In addition, my credit report contains multiple inaccurate addresses associated with my file, including but not limited to : XXXXXXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX Reporting inaccurate addresses is a violation of FCRA Section 609 ( e ), and these false addresses may contribute to confusion, identity issues, and further credit errors. 
Summary : The inaccurate reporting of late payments, charge-offs, repossessions, collections, and erroneous addresses on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have caused me significant financial harm and distress. 
I hereby demand : Immediate reinvestigation and correction of all disputed items. 
Removal of unverifiable or inaccurate entries. 
Correction of all inaccurate personal identifying information, including addresses. 
Please confirm receipt of this complaint and notify me of the actions taken. Failure to address these issues promptly will leave me no choice but to escalate this matter further. 
Thank you for your prompt attention to this serious 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