Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Subject : Dispute of Inaccurate Address and Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of certain addresses and late payments on my Experian credit report. These errors are causing harm to my credit profile and must be corrected immediately in accordance with my rights under federal law.

Items to Be Removed : Incorrect Address ( es ) and Associated Identification Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are either outdated, incorrect, or improperly tied to my credit profile . Additionally, these addresses are linked to identification numbers, which are in turn tied to negative accounts that do not belong to me. The removal of these addresses is necessary to ensure the accuracy of my credit report and to prevent incorrect associations with accounts that are not mine.

Late Payments on Accounts Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Removal : XXXX U.S.C. XXXX ( a ) ( Fair Credit Reporting Act - FCRA ) : Ensures that credit reporting agencies maintain maximum possible accuracy in consumer reports. The incorrect addresses and late payment entries violate my right to fair and accurate reporting. 
15 U.S.C. 1681b ( a ) & ( c ) : Limits the permissible purpose for reporting consumer data. Since these addresses are tied to negative accounts that do not belong to me, their reporting is a violation of permissible purpose requirements.

15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act - GLBA ) : Mandates financial institutions to protect the confidentiality of consumer information. The continued association of my identity with incorrect addresses and negative accounts violates my right to financial privacy.

15 U.S.C. 1692c ( c ) ( Fair Debt Collection Practices Act - FDCPA ) : Prohibits unauthorized communication and the reporting of disputed financial information. If these addresses and late payments are incorrect, they must be removed to comply with federal law.

Requested Action : Immediately remove all incorrect addresses from my credit file, as they are outdated, incorrect, or improperly linked to negative accounts that do not belong to me.

Conduct a full investigation into the late payment dispute and provide verifiable proof from the original creditors ( XXXX XXXX, XXXX XXXX, and XXXX ). If verification can not be provided within the legally required timeframe, these late payment entries must be deleted from my report. 
Provide a written confirmation once these corrections have been made, along with an updated credit report reflecting the removal of incorrect addresses and late payments. 
I have enclosed copies of my government-issued ID and a utility bill or bank statement to verify my correct personal information. 

Under the FCRA, Experian must complete its investigation within 30 days. If the disputed information can not be verified, it must be deleted from my credit report. Continued inaccurate reporting may result in legal action to enforce my rights.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of these corrections. 

Sincerely, 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