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: SC

Complaint narrative:
I am reaching out as part of my efforts to repair and rebuild my credit. Upon reviewing my credit report, I found several inaccurate or unverifiable items, along with multiple past addresses that I no longer reside at. I am requesting an investigation under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
________________________________________ Incorrect/Outdated Addresses ( Please Delete ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX Duplicate or partial versions of above FCRA Violation : Section 607 ( b ) Information must be kept accurate and up to date Action Requested : Remove all incorrect or outdated addresses not associated with any current active accounts. 
________________________________________ Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments reported impacting mortgage credibility FCRA Violation : Section 607 ( b ) Maximum accuracy Action Requested : Verify with original payment records ; if unverifiable, remove late payments. 
XXXX XXXX # XXXX * * * * * * Issue : Charge Off ( XX/XX/XXXX ) & Late Payments ( XX/XX/XXXX ) Possible Duplicate/Incorrect Reporting FCRA Violation : Section 605 & 609 Accuracy and Source Disclosure Action Requested : Provide full documentation for both accounts or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Repeated late payment reporting impacting DTI ratio FCRA Violation : Section 611 Inaccurate Information Action Requested : Validate late payments with records or remove. 
XXXX # XXXX * Issue : Collection Not mine / unfamiliar account FCRA Violation : Section 609 ( a ) ( 1 ) ( A ) Right to documentation Action Requested : Provide validation or delete. 
XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection accounts unfamiliar / possibly outdated FCRA Violation : Section 609 & Section 611 Action Requested : Provide debt validation letters or remove if unverifiable. 
________________________________________ A Personal Request : I am actively working to rebuild my credit and re-establish financial stability. These inaccurate entries are holding me back from safe housing, new job opportunities, and securing low-interest financial products. I am not trying to avoid my obligationsI simply want my credit to reflect accurate, verified information only. 
________________________________________ Legal Reminder : Under the Fair Credit Reporting Act ( FCRA ), you are obligated to : Conduct a reinvestigation within 30 days ( Section 611 ) Remove unverifiable or inaccurate information ( Section 607 & 609 ) Only report accounts you can verify with original documentation ________________________________________ Thank you in advance for investigating and correcting these entries. I request written results of your investigation within the 30-day time frame. 
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