Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report a number of inaccuracies and violations appearing on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq. These entries have caused severe harm to my creditworthiness, personal life, and financial stability. 
I. INCORRECT ADDRESSES REPORTED The following addresses are inaccurately reported on my credit file. I have never resided at, nor do I have any connection to these addresses : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These false address associations may indicate mixed files or identity inaccuracies, and their presence on my report constitutes a violation of : FCRA XXXX ( b ) : Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy. 
I formally request that these addresses be permanently deleted from all credit reports with Equifax, Experian, and TransUnion. 
XXXX. DISPUTED ACCOUNT ENTRIES Each of the following accounts contains inaccurate, unverifiable, or outdated information, including late payments, charge-offs, or collection activity. These are listed below with legal references to the specific violations involved. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : Late Payments This account reflects late payments which I dispute as inaccurate. Under : FCRA XXXX ( 15 U.S.C. XXXXi ) : A consumer reporting agency must conduct a reasonable reinvestigation if the completeness or accuracy of any item is disputed. 
FCRA XXXX ( A ) : Credit reporting must be fair and equitable to the consumer. 
XXXX. XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$320.00} Issue : Charge-Off I dispute the charge-off status. The account was not properly validated. 
FCRA XXXX ( a ) ( XXXX ) : I have a right to full disclosure of the information and the source of the charge-off. 
FDCPA XXXX ( a ) : A debt collector must provide validation upon request. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$760.00} Issue : Charge-Off No verification was provided despite my prior dispute. This is a violation of : FCRA XXXX and FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. XXXX ( b ) : Furnishers must investigate disputed information. 
XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$27000.00} Issue : Charge-Off This high balance charge-off is severely damaging and unverifiable. I requested validation under : FCRA XXXX & XXXX ( a ) FDCPA XXXX ( b ) : Debt validation was not properly executed. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$27000.00} Issue : Late Payments I dispute the legitimacy of reported late payments and request documentation to support these derogatory marks under : FCRA XXXX and XXXX FCRA XXXX ( b ) : Furnisher responsibilities upon dispute were not followed. 
XXXX. XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$580.00} Issue : Charge-Off This account continues to report negatively despite the dispute. 
FCRA XXXX ( b ) : Reporting agencies must ensure accuracy. 
FCRA XXXX ( a ) : You must reinvestigate disputed accounts. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$8000.00} Issue : Collection Account This collection was never validated and does not reflect accurate reporting. 
FDCPA XXXX ( a ) ( b ) : Collection agencies must validate the debt. 
FCRA XXXX ( b ) : The furnisher must correct or delete inaccurate information. 
XXXX. REQUEST FOR RESOLUTION As the consumer, I am exercising my rights under FCRA and FDCPA and request the following : XXXX. Immediate deletion of all incorrect addresses listed above. 
XXXX. Reinvestigation and removal of any unverified, inaccurate, or outdated derogatory accounts listed above. 
XXXX. Written confirmation of the results of each investigation. 
XXXX. Full documentation and verification for each account if not deleted. 
Failure to comply may result in escalation, including complaints to the State Attorney General, FTC, or private legal action under FCRA XXXX and XXXX, which entitles me to actual and statutory damages.

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