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: TN

Complaint narrative:
Dear CFPB Team, I am filing this complaint to bring to your attention numerous inaccuracies and violations on my credit report related to the accounts listed below. These issues violate my rights under federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough investigation and immediate correction or removal of all inaccurate or unverified information. 
XXXX. Incorrect Addresses Reported XXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported this address does not belong to me and violates FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported inaccurate personal information on credit file. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : Incorrect address reported causing confusion and inaccuracies. 
XXXX. Accounts with Incorrect Late Payments XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$180000.00} ) Issue : Inaccurate late payment history reported, violating FCRA 607 ( b ), 611 ( a ) and FDCPA 808. 
XXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX, High Balance : {$560.00} ) Issue : Late payments reported without proper validation. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$280.00} ) Issue : Disputed late payment entries on credit report. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrectly reported late payments. 
XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance : {$720.00} ) Issue : Invalid late payment records. 
XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$8200.00} ) Issue : Late payment reporting not properly validated. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$20000.00} ) Issue : Late payments inaccurately recorded. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrect late payment history. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX : {$1200.00} ) Issue : Late payments reported with no proper validation. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$970.00} ) Issue : Disputed late payment records. 
XXXX. Charge-Off Accounts with Discrepancies and Duplicates XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) Issue : Charge-off reported inaccurately ; possible duplication on credit report. 
XXXX  XXXX XXXX Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate charge-offs and inconsistent balance reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : Duplicate charge-off entry. 
XXXX, XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Duplicate charge-off, incorrect balance. 
XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Charge-off balance disputed. 
XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate and inaccurate charge-off entry. 
XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$4000.00} ) Issue : Charge-off reported without proper validation. 
XXXX. Collection Accounts with Validation Issues XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) Issue : Collection account reported without proper debt validation as required by FDCPA 809. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) Issue : Unverified collection entry. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) Issue : XXXX balance disputed. 
XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$7500.00} ) Issue : Collection account inaccurately reported. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1600.00} ) Issue : Collection entry not validated. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Incomplete collection reporting. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Unverified collection entry. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$780.00} ) Issue : XXXX balance inaccurate. 
XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$610.00} ) Issue : XXXX reported with incorrect balance. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$440.00} ) Issue : Collection entry disputed for accuracy. 
Legal Grounds for My Complaint : Fair Credit Reporting Act ( FCRA ) : Requires maximum possible accuracy, timely dispute investigation, and prohibits reporting outdated or inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) : Requires validation of debts upon consumer request and prohibits deceptive or unfair debt collection practices. 
Consumer Credit Reporting Reform Act : Protects against duplicate and misleading credit entries. 
I hereby demand a full investigation of these disputed items. If any information can not be verified or validated, I request immediate deletion or correction as required by law. 
Please confirm receipt of this complaint and keep me informed of your findings and actions to resolve these matters promptly. 
Thank you for your assistance.

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