Consumer complaint received 2025-05-31 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, I am writing to formally dispute multiple inaccurate and harmful items appearing on my credit report, which have severely affected my creditworthiness and caused undue distress. Below are the accounts in question along with their specific problems. I demand an immediate investigation, correction, or deletion of all erroneous information as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and relevant laws. 
1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Incorrectly reported late payments on my account. 
Violation : Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate information, and under Section 611 ( 15 U.S.C. 1681i ), you are obligated to investigate and promptly correct any inaccuracies. Reporting late payments without verification violates these provisions and damages my credit unjustly. 
2. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Issue : Incorrectly listed as a collection account, which I dispute and request verification. 
Violation : This is a violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) requiring furnishers to provide accurate information. Additionally, if this is a debt collection, it must comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits unfair or deceptive collection practices. I demand proof of debt validation immediately.

3. Incorrect Addresses on My Credit Report Addresses listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : These addresses are not mine and constitute inaccurate personal information. 
Violation : Per FCRA Section 609 ( 15 U.S.C. 1681g ), I have a right to accurate identifying information on my credit file. Incorrect addresses may cause confusion, identity misrepresentation, and harm my credit score.

Summary and Request : These errors are serious violations of my consumer rights under the FCRA and FDCPA. They cause financial and emotional harm by affecting my credit score, loan eligibility, and personal reputation. I hereby demand : Immediate removal or correction of all inaccurate and unverifiable information listed above.

A full reinvestigation of the disputed items within the 30-day timeframe mandated by law.

Written confirmation of the results of your investigation sent to me at the address on file.

Cease any further reporting of unverifiable or inaccurate information related to these accounts.

If you fail to comply with these legal requirements, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and consider legal action to protect my rights.

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