Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
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o Whom It May Concern, I am filing this complaint to formally dispute numerous inaccurate, incomplete, and unverified accounts and personal address information being reported on my credit files by Equifax, Experian, and TransUnion. Despite submitting prior disputes and requests for verification, these inaccuracies remain unresolved and are now negatively affecting my financial stability. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and demand the removal or correction of these items immediately, as outlined below : Incorrect Address Reporting The following addresses are being inaccurately reported on my credit file. I have never resided at or used these addresses, and they should be permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. XXXX XXXX XXXX, XXXX, TX XXXX 4. XXXX XXXX XXXX XXXX, XXXX, TX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. XXXX XXXX XXXX, XXXX, TX XXXX 7. XXXX XXXX XXXXXXXX, XXXX, TX XXXX 8. XXXX XXXX XXXX, XXXX, TX XXXX 9. XXXX XXXX  XXXX, XXXX, TX XXXX 10. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Legal Violations : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 605 ( b ) Reporting obsolete or incorrect identifying information Disputed Accounts and Violations Below are the disputed accounts with full details, including the nature of the dispute and applicable legal protections : 1. XXXX XXXX Account # XXXXXXXX XXXX | High Balances : {$910.00} & {$440.00} | Opened : XX/XX/XXXX Status : Charge-offs Two entries reporting similar balances with duplicate data Violations : FCRA 605 ( c ), FDCPA 807 ( 2 ) ( A ), 809 ( b ) 2. XXXX XXXX Account # XXXX | High Balance : {$340.00} | Opened : XX/XX/XXXX Status : Charge-off No validation received upon dispute Violations : FCRA 611, FDCPA 809 3. XXXX ( XXXX XXXX ) Account # XXXX | High Balance : {$380.00} | Opened : XX/XX/XXXX Status : Late Payments Late payments inaccurate for reported period Violations : FCRA 623 ( a ) ( 2 ), 607 ( b ) 4. XXXX XXXX Account # XXXXXXXX XXXX | High Balance : {$2800.00} | Opened : XX/XX/XXXX Status : Charge-off Debt unverifiable and outdated Violations : FCRA 605 ( a ), FDCPA 809 ( b ) 5. XXXXXXXX XXXX Account # XXXX | High Balance : {$18000.00} | Opened : XX/XX/XXXX Status : Charge-off Reported balance and delinquency are incorrect Violations : FCRA 623 ( b ), FDCPA 807 6. XXXX XXXX XXXX  Account # XXXXXXXX XXXX | High Balance : {$7600.00} | Opened : XX/XX/XXXX Status : Charge-off No response to dispute request Violations : FCRA 611 ( a ), FDCPA 809 7. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * High Balances : Ranging {$750.00} {$6000.00} Dates Opened : XXXX Status : Late Payments Improper servicing updates during COVID-related forbearance Violations : CARES Act Section 4021, FCRA 623 ( a ) ( 2 ) 8. XXXX XXXX XXXX  Account # XXXXXXXX XXXX  | High Balance : {$1000.00} | Opened : XX/XX/XXXX Status : Collection No dunning notice or debt validation received Violations : FDCPA 809 ( a ), FCRA 611 ( b ) 9. XXXX XXXX Account # XXXX | High Balance : {$800.00} | Opened : XX/XX/XXXX Status : Collection Unverified and disputed without documentation Violations : FDCPA 809 ( b ), FCRA 623 ( b ) 10. XXXX XXXX XXXX 
Account # XXXXXXXX XXXX | High Balance : {$110.00} | Opened : XX/XX/XXXX Status : Collection Account remains after dispute with no validation Violations : FDCPA 809 ( a ), FCRA 611 ( a ) 11. XXXX XXXX Account # XXXX | High Balance : {$0.00} | Opened : XX/XX/XXXX Account # XXXX | High Balance : {$330.00} | Opened : XX/XX/XXXX Status : Charge-offs Balance misrepresented and no payment history verified Violations : FCRA 607 ( b ), FDCPA 807 ( 8 ) Relief Requested I am requesting the following corrective actions under federal law : 1. Immediate removal of all inaccurate accounts and addresses listed above 2. Full investigation and validation of all debts in accordance with FCRA 611 and FDCPA 809 3. Permanent removal of all duplicate and unverifiable entries 4. Civil penalties and enforcement action against data furnishers who failed to comply with FCRA or FDCPA provisions 5. Written confirmation of all corrections or deletions Legal Citations Included : FCRA 605, 611, 623, 607 ( b ) FDCPA 807, 809 CARES Act Section 4021

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