Consumer complaint received 2025-04-25 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: KY

Complaint narrative:
I am writing to formally dispute multiple inaccurate, outdated, and unverifiable accounts and address records currently reporting on my credit file. These items are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my creditworthiness. 
As per my rights under FCRA 609 ( a ) ( 1 ) and 611, I am requesting an immediate reinvestigation of the following items and demand removal if they can not be 100 % verified with original source documentation. Merely verifying with a third-party database is not considered valid under federal law. 
________________________________________ Disputed Personal Information Inaccurate Address Records The following addresses are inaccurately associated with my report and must be removed unless you can provide documentation linking them to a verifiable account : XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX addresses are either outdated or never belonged to me. Their presence on my report violates FCRA 602 ( a ) by reducing the accuracy and relevancy of the information being reported. 
________________________________________ Disputed Accounts Violations of FCRA Below are the accounts I am disputing due to inaccurate, outdated, or unverifiable information : ________________________________________ 1. XXXX XXXX # XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payments reported, but no contractual evidence or full payment breakdown has been provided. 
FCRA Violations : 609 ( a ) ( 1 ) : Right to see original contract 611 ( a ) : Duty to reinvestigate disputes Action Requested : Delete the late payments or furnish full documentation showing payment history and signed contract.

________________________________________ 2. KIXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340.00} Issue : Charge-off reported with no supporting contract or payment history. 
FCRA Violations : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information 609 ( a ) ( 1 ) : Failure to provide documentation upon dispute Action Requested : Delete this account unless fully verified with signed contract and payment ledger.

________________________________________ 3. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Issue : Charged-off without providing any original documentation or notification. 
FCRA Violations : 611 : No reasonable investigation 609 ( a ) ( 1 ) : Failure to validate account Action Requested : Remove this account from my credit file. 
________________________________________ 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Unverified charge-off reporting. No documentation provided to show validity. 
FCRA Violations : 602 ( a ) : Reporting inaccurate information 611 ( a ) : No reinvestigation completed Action Requested : Delete this item.

________________________________________ 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3400.00} Issue : Charged-off status does not match records. No contract shown. 
FCRA Violations : 609 ( a ) ( 1 ) : Must provide signed agreement 623 ( b ) : Duty of data furnishers to investigate Action Requested : Remove unless fully verified.

________________________________________ 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1200.00} Issue : No loan agreement or transaction evidence provided. 
FCRA Violations : 611 : Unverifiable 623 ( a ) : Inaccurate furnishing Action Requested : Delete from report.

________________________________________ 7. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Debt not recognized. Source creditor not identified. 
FCRA Violations : 611 ( a ) : Can not verify 609 ( a ) ( 1 ) : No legal documentation provided Action Requested : Delete this tradeline immediately.

________________________________________ LEGAL NOTICE Per the FCRA 611 ( a ) ( 5 ), if you are unable to verify the above items within 30 days, they must be deleted from my credit report. Also, under 604, you are not permitted to report unverifiable or outdated information. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
________________________________________ Thank you for your prompt attention to this matter. I expect confirmation of your investigation results within 30 days, as required by law. 
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