Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information and 15 U.S. Code 1681e ( b ) Compliance Procedures to Ensure Maximum Possible Accuracy. You are reporting inaccurate and incomplete information on my credit report and I demand an immediate investigation to resolve all inaccuracies or delete them entirely. My correct and verifiable address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, my correct name is XXXX XXXX, and my correct date of birth is XX/XX/1989. Remove all other addresses and phone numbers from my report as they are inaccurate and not deliverable by the U.S. Postal Service. The incorrect address XXXX XXXX XXXXXXXX XXXX is a typographical error that violates FCRA 1681e ( b ) and 607 ( b ), requiring maximum possible accuracy, and must be deleted permanently, retaining only the correct spelling XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also inaccurate and unauthorized, violating FCRA 1681e ( b ) and 607 ( b ), and must remain permanently deleted without reinsertion. The employer entries XXXX XXXX XXXX XXXX XXXXXXXX are false, unverifiable, and violate FCRA 1681e ( b ), 607 ( b ), and 609 ( a ) ( 1 ) ( A ) ; they must be permanently removed. I did not authorize any of the companies listed to make inquiries or access my credit file, which constitutes a violation of FCRA 1681b ( c ) ; provide documentation bearing my signature authorizing each inquiry, or remove all unauthorized ones immediately. I also demand verification or deletion of the following accounts as they are inaccurate, inconsistent, and unverifiable : XXXXXXXX XXXX DXXXX XXXX XXXX XXXX XXXX  XXXX. These tradelines show contradictory data across all three bureaus, violating FCRA 1681e ( b ) and Metro 2 standards, and remain unverified despite ongoing CFPB complaints. Under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 2 ), unverifiable information must be deleted. Additionally, I am disputing the reported late payments on Royal Prestige and XXXX XXXXXXXX XXXX  as they are inconsistent, unsupported, and represent billing errors under 15 U.S. Code 1666 ( b ) of the Truth in Lending Act. Reporting a late payment without a verified billing notice 21 days prior violates federal law and must be corrected to Pays as Agreed or deleted. Continued reporting of inaccurate, unverifiable, or false data after notice of dispute constitutes willful noncompliance under FCRA 616617. These violations have been submitted to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission for further action. Update or delete all disputed information immediately to comply with federal law and avoid further liability under 15 U.S.C. 1681n.

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