Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I am submitting this complaint against Experian, TransUnion, and Equifax for continuing to report inaccurate, outdated, and unverifiable negative items on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 
- List of Disputed Accounts and FCRA Violations XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) 30 Days Late ( XX/XX/XXXX ) Violations : 15 USC 1681e ( b ), 1681s-2, 1681i ( a ) ( 5 ), 1681g 2. XXXX XXXX ( Acct ending XXXX ) 60 Days Late ( XX/XX/XXXX ), 30 Days Late ( XX/XX/XXXX ) Violations : 1681e ( b ), 1681s-2, 1681i, 1681n/o 3. XXXX XXXX ( Acct ending XXXX ) 30 Days Late ( XX/XX/XXXX ) Violations : 1681e ( b ), 1681s-2, 1681i ( a ) ( 5 ) XXXX XXXX XXXX XXXX 30 Days Late ( XX/XX/XXXX ) Violations : 1681e ( b ), 1681s-2, 1681c ( a ), 1681i ( a ) ( 5 ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX 30 Days Late ( XX/XX/XXXX ) Violations : 1681e ( b ), 1681s-2, 1681i 6. XXXX XXXX XXXX XXXX ( Child Support ) XX/XX/XXXX Days Late Violations : 1681e ( b ), 1681s-2, 1681g 7. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) {$3800.00} balance Violations : 1681e ( b ), 1681s-2, 1681i ( a ) ( 5 ), 1681g 8. XXXX XXXX XXXX {$170.00} balance ( Returned Check ) Violations : 1681e ( b ), 1681c ( a ), 1681i ( a ) ( 5 ) ALSO I am disputing an incorrect address that appears on my credit report. The following address is inaccurate and does not belong to me : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Please remove this address from my credit file, as it is not associated with me. 
I have attached/uploaded documents verifying my correct, current address ( such as a government-issued ID and recent utility bill ). 
LIST OF INACCURATE PHONE NUMBERS : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Thank you for investigating and correcting this information. 
Violation Key 1681e ( b ) : Failure to ensure maximum accuracy 1681s-2 : Furnisher failed to provide/update correct info 1681i : Improper or incomplete reinvestigation process 1681i ( a ) ( 5 ) : Did not delete unverifiable information 1681g : Failure to provide full file disclosure to consumer 1681c ( a ) : Reporting obsolete ( expired ) information 1681n / 1681o : Willful/negligent noncompliance I request that Equifax, Experian, TransUnion investigate and remove the inaccurate information from my credit report immediately. Additionally, I ask for a corrected credit report to be sent to me and for notification to be sent to any lenders who accessed my report in the past. This resolution is critical to restoring my ability to secure financing for a car and a home. 

Please contact me if you require additional documentation or information. I appreciate your assistance in addressing this matter promptly. 

Sincerely, XXXX 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