Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and request immediate investigation and correction of the following items. Upon reviewing my recent credit report, I noticed that my previous residences at XXXX XXXX XXXX, XXXX, MI XXXX and XXXX, XXXX, MI XXXX are either missing or not reported on my Equifax and TransUnion reports XXXX Accurate address history is essential for proper identification, verification of credit accounts, and to prevent misattribution of debts or inquiries. The omission of these addresses may cause confusion with lenders, affect scoring models, and potentially result in erroneous decisions regarding my creditworthiness. I have documentation, including lease agreements, utility statements, and other official correspondence, to verify my residence at these addresses during the relevant periods. I request that these addresses be added and correctly reflected on my credit reports, in compliance with FCRA 1681e ( b ), which requires maximum possible accuracy in reporting. 
Additionally, I am disputing several charge-off accounts reported across all three credit bureaus, including XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$8800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$8200.00} ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}. Upon reviewing my records, I found discrepancies in the reported balances, account status, and payment histories. Some balances may have been incorrectly reported, and account statuses may not reflect my actual history with these creditors. Misreporting of charge-offs can severely impact my credit score, increase interest rates, and limit access to future credit opportunities. Under FCRA 1681i ( a ), credit bureaus are required to conduct a thorough investigation of disputed accounts, including verification directly with the original creditors. I request that each of these accounts be fully verified, that any inaccuracies be corrected, and that unverifiable information be removed from my credit report. Proper resolution of these disputes is essential to ensure my credit profile fairly represents my financial obligations. 
Finally, I am disputing XXXX collection accounts reported on all three bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ( Original Creditor : XXXX XXXX. ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$610.00} ( Original Creditor : XXXX XXXX ). * * These accounts contain inconsistencies in the reporting of balances, dates of delinquency, and account status. Accurate reporting of collection accounts is critical, as misreporting can mislead lenders and negatively impact my ability to obtain credit. FCRA 1681i and 1681e ( b ) require that all reported information be accurate and verified with the original creditor. I request that both collection accounts be verified with proper documentation, corrected if any errors are found, and consistently reported across all bureaus. Additionally, I request written confirmation of the results of your investigation and updates to my credit report reflecting any necessary corrections.

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