Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to initiate a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) currently affecting my credit report. The presence of false addresses and inaccurate negative tradelines has created unjust financial harm, which must be corrected immediately.

INCORRECT ADDRESSES REMOVE IMMEDIATELY The following addresses are not mine and must be removed from my file. Reporting these locations violates FCRA 1681e ( b ) and 1681c-2, which require maximum accuracy and give me the right to block unauthorized data : 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 have no association with me and may link my identity to accounts or inquiries not belonging to me.

DISPUTED ACCOUNTS LATE PAYMENTS WITHOUT VALIDATION The following accounts are reporting late payments but have not been validated with original agreements, billing history, or legally required documentation. Under FCRA 1681i ( a ) and 1681s-2 ( b ), these entries must be verified or deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$590.00} Issue : Reported late payments with no substantiating documentation. 
XXXX. XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Derogatory payment status reported without original contract or payment records. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX High Balance : {$2800.00} Issue : No complete validation or consumer agreement has been provided. 
These entries can not legally remain on my report without full, itemized validation. Anything short of that violates federal law and Metro 2 compliance standards.

LEGAL FRAMEWORK Your credit bureau is obligated to : Maintain accurate consumer data FCRA 1681e ( b ) Investigate disputes thoroughly FCRA 1681i ( a ) Remove unverifiable data FCRA 1681i ( a ) ( 5 ) Ensure furnishers investigate and respond FCRA 1681s-2 ( b ) DEMAND FOR ACTION WITHIN 10 DAYS I am demanding the following actions : 1. Immediately delete all incorrect addresses listed above 2. Delete all late payment accounts that can not be validated 3. Provide a written statement of the reinvestigation results 4. Send a free updated credit report reflecting the changes, per FCRA 1681i ( a ) ( 6 ) NOTICE OF ESCALATION If this matter is not resolved within 10 calendar days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit violation reports to the Federal Trade Commission ( FTC ) Notify the Illinois Attorney Generals Office Pursue legal action under FCRA 1681n and 1681o for damages This dispute was prepared and submitted within my rights under federal law. You are prohibited from dismissing it based on authorship, format, or third-party assistance. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Legal File

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