Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent entries found on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only accurate, complete, and verifiable information is reported. The following accounts, addresses, and inquiries are not accurate or authorized, and I am requesting their immediate investigation and removal. 
________________________________________ Inaccurate Addresses These addresses are incorrect and were never associated with me : 1. XXXX XXXX XXXX XXXX, NC XXXX 2. XXXX XXXX XXXX, NC XXXX 3. XXXX XXXX XXXX, NY XXXX 4. XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX 6. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : These addresses are inaccurate and may be linked to fraudulent activity. 
FCRA Violation : 607 ( b ) Failure to maintain accurate information. 
Action Requested : Please delete all of the above addresses from my credit file. 
________________________________________ Accounts with Late Payments, Charge-Offs, and Collections XXXX. XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$450.00} o Issue : Late payment reported in error. 
o FCRA Violation : 607 ( b ), 611 Reporting inaccurate information. 
o Action Requested : Remove late payment or correct account history. 
2. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$750.00} o Issue : Late payment inaccurately reported. 
o FCRA Violation : 607 ( b ), 611 o Action Requested : Investigate and remove the late payment. 
3. XXXX  # XXXX XXXX XXXX o Date Opened : XX/XX/XXXX | High Balance : {$240.00} o Issue : Charged-off account is inaccurate. 
o FCRA Violation : 607 ( b ), 609 ( a ) ( 1 ) o Action Requested : Provide verification or delete. 
4. XXXX XXXX # XXXX XXXX o Date Opened : XX/XX/XXXX | Balance : {$220.00} o Issue : Charged-off account without proper validation. 
o FCRA Violation : 609 ( a ), 611 o Action Requested : Validate or delete this item. 
5. XXXX # XXXXXXXX XXXX o Date Opened : XX/XX/XXXX | Balance : {$2200.00} o Issue : Duplicate collection account. 
o FCRA Violation : 607 ( b ), 611 o Action Requested : Remove this and all duplicate accounts. 
6. XXXX XXXX # XXXX XXXX o Date Opened : XX/XX/XXXX | Balance : {$2200.00} o Issue : Duplicate of above ; unnecessary double reporting. 
o FCRA Violation : 607 ( b ) o Action Requested : Delete as a duplicate. 
7. * * XXXX XXXXXXXX XXXX # XXXX o Date Opened : XX/XX/XXXX | Balance : {$21000.00} o Issue : Inaccurate and possibly fraudulent collection. 
o FCRA Violation : 609 ( a ), 602 ( a ) o Action Requested : Validate the debt or remove it. 
8. XXXX XXXX # XXXX o Date Opened : XX/XX/XXXX | Balance : {$190.00} o Issue : Collection not properly validated. 
o FCRA Violation : 611 ( a ), 609 o Action Requested : Remove unless legally verified. 
________________________________________ Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Action Summary Issue : Inaccurate addresses, unauthorized inquiries, and unverifiable negative accounts. 
FCRA Violations : 602 ( a ), 604, 607 ( b ), 609 ( a ), 611 Action Requested : o Remove all incorrect addresses. 
o Investigate and correct or delete negative account items. 
o Remove all unauthorized or duplicate hard inquiries. 
o Send me a free updated credit report reflecting these changes. 
Please respond within 30 days as required by federal law. I appreciate your prompt attention and cooperation in correcting my report. 
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