Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
To Whom It May Concern, This is my fourth formal dispute regarding inaccurate and unverified information currently appearing on my credit report. As you are required by the Fair Credit Reporting Act ( FCRA ) to maintain only accurate, complete, and verifiable information ( see 15 U.S. Code 1681e ( b ) ), I am demanding immediate reinvestigation and removal of the items listed below. Your failure to comply may result in legal action and complaints filed with federal and state agencies. 
INCORRECT ADDRESSES The following addresses are not affiliated with me, and I demand they be permanently removed from my credit report in accordance with FCRA 607 ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not reflect my place of residence, and their continued inclusion creates a misleading and inaccurate credit file. Please provide the name of the data furnisher responsible for reporting these addresses under FCRA 609 ( a ) ( 1 ).

UNVERIFIED OR INACCURATE ACCOUNTS The following accounts are being reported without proper verification or supporting documentation. If you can not verify them in full with the original creditor 's records, they must be deleted immediately per FCRA 611 ( a ) : XXXX. XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$12000.00} o Status : Late Payment This account has not been fully verified. I request all original records or permanent removal. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Balance Owed : {$1100.00} o Status : Charge Off I request full validation or deletion. Charge-off entries require precise verification of default, delinquency timeline, and original agreement. 
XXXX. XXXX  Account # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$7900.00} o Status : Late Payment Late payment reporting must be accurate and verified. If you can not confirm with original documentation, delete the entry immediately. 
UNAUTHORIZED OR IMPROPER INQUIRIES The following inquiries appear on my credit report without my authorization and may have been made without a permissible purpose under FCRA 604 ( a ) : XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX These inquiries must be investigated. If no signed authorization or legitimate business relationship exists, I demand their removal. Also provide the full name and address of the entity that initiated the inquiry. 
FINAL NOTICE You are now officially on notice. Under FCRA 616 and 617, willful or negligent noncompliance can result in statutory and actual damages. If these accounts and addresses are not removed or verified with full documentation within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. Legal remedies may also be pursued. 
This is your final opportunity to resolve these issues voluntarily.

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