Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I am writing to dispute certain inaccurate and possibly unverifiable information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). I respectfully request that the following outdated addresses and derogatory accounts be investigated and corrected or removed, as appropriate. 
________________________________________ Outdated/Incorrect Addresses Please Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : Section 607 ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy Action Requested : Delete all addresses not associated with any currently open, active accounts. 
________________________________________ Disputed Accounts Investigation Requested : XXXX XXXX # XXXX * * * * * * * * * * Issue : Charge Off for a low balance account FCRA Violation : Section 609 ( a ) ( 1 ) Right to full documentation Action Requested : Validate debt or remove from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments for a small line of credit FCRA Violation : Section 611 Inaccurate reporting Action Requested : Confirm late payments with original creditor or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repossession reported not recognized FCRA Violation : Section 609 Incomplete/Unverified reporting Action Requested : Provide full documentation including original contract or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments reporting FCRA Violation : Section 607 ( b ) Reporting without complete verification Action Requested : Verify with records or remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repossession severe impact on score FCRA Violation : Section 609 Documentation required Action Requested : Provide signed documents or remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off account disputed as settled/paid FCRA Violation : Section 611 Must report accurate account status Action Requested : Update as paid/settled if applicable, or remove XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX Issue : Appears twice possible duplicate entry FCRA Violation : Section 607 Duplication inflates debt Action Requested : Remove duplicate or confirm both are separate and valid XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off from 2019 no recollection or documents FCRA Violation : Section 609 Debt validation required Action Requested : Validate or delete ________________________________________ Personal Statement : I am working hard to restore my financial health after a period of hardship. I believe everyone deserves a second chance and a clean slate based on truth, not outdated or inaccurate data. These items are not only damaging but may be incorrect. I respectfully ask that you conduct a thorough investigation and remove any entries you can not fully verify. 
________________________________________ Legal Rights Summary : Under the Fair Credit Reporting Act, I have the right to : Request reinvestigation of any disputed item ( Section 611 ) Demand documentation of accounts being reported ( Section 609 ) Expect reasonable procedures for accuracy ( Section 607 ) Please complete this reinvestigation within the required XXXX period and provide written results. 
Thank you for your attention and cooperation. 
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