Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Personal Information and Tradelines Re : FCRA 602, 607 ( b ), 611 Address Correction and Reinvestigation Request To Whom It May Concern : I am writing to formally dispute inaccurate, incomplete, and inconsistent information appearing on my Experian credit file. This dispute includes incorrect personal identifying information as well as multiple tradelines that do not meet the Fair Credit Reporting Acts standard of maximum possible accuracy.

My correct identifying information is as follows : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX  Year of Birth : XXXX XXXX XXXX ADDRESS CORRECTION ( MANDATORY ACTION ) The following address is NOT current, is no longer valid, and must be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, MA XXXX This address is outdated and inaccurately associated with my credit profile. 
Its continued reporting constitutes inaccurate personal identifying information under FCRA 602 and 607 ( b ).

Request : Delete XXXX XXXX XXXX, XXXX MA XXXX Update and retain only : XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXX - TRADLINE DISPUTES ( REINVESTIGATION REQUIRED ) In addition to correcting my address, I dispute the following accounts due to inconsistent reporting, unverifiable data, inaccurate balances, and conflicting status codes : -- - 1. XXXX XXXX Account Ending XXXX Issue : Inconsistent payment history, conflicting delinquency timelines, unverifiable status across bureaus. 
Request : Delete this tradeline if it can not be fully verified with consistent data. 

-- - 2. XXXX  XXXX Account Ending XXXX Issue : Balance and delinquency dates differ across consumer reporting agencies. 
Request : Remove due to inaccurate and inconsistent reporting. 

-- - 3. XXXX XXXX XXXX  Account Ending XXXX Issue : Payment history and charge-off data do not align across bureaus. 
Request : Delete unless fully verifiable. 

-- - 4. XXXX  XXXX COLLECTION {$390.00} Issue : Duplicate reporting of the same obligation already listed as a charged-off account. 
Request : Immediate deletion due to duplicative derogatory reporting.

-- - PAYMENT HISTORY & UTILIZATION DISPUTE Late-payment history and utilization calculations do not match across Equifax, TransUnion, and Experian, indicating reporting inaccuracies that must be corrected or deleted pursuant to FCRA 607 ( b ). 

-- - FORMAL REQUEST UNDER FCRA 611 Please complete a full reinvestigation within the required timeframe and provide : 1. Written results of the reinvestigation 2. An updated copy of my credit report 3. The method of verification used for each disputed item 4. The name and address of each furnisher that verified the information Any information that can not be fully verified must be deleted from my file.

Thank you for your prompt attention to this matter. 

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