Consumer complaint received 2025-06-05 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 and raise concerns about multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal protections. Below I am listing all the disputed accounts and addresses, including specific details and applicable legal provisions under which I am filing this complaint.

Wrong Address Reporting The following addresses are inaccurately reported on my credit file. I have never lived at or been associated with these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Legal Violation : Under 15 U.S. Code 1681e ( b ) of the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting inaccurate personal information is a direct violation of this law. 
Disputed Accounts 1. XXXX XXXX Acct # : XXXXXXXX XXXX  Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$730.00} Violation : 15 U.S. Code 1681s-2 Information furnishers must report accurate data. There is no validation or signed agreement proving the legitimacy of this debt. 
2. XXXX XXXX Acct # : XXXX Issue : Repeated Late Payments Date Opened : XX/XX/XXXX | Balance : {$330.00} Violation : Reporting late payments without verifying proper notice violates 15 U.S. Code 1681i ( a ). I request a full investigation and verification of accuracy.

3. XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX  Issue : Late Payment Date Opened : XX/XX/XXXX | Balance : {$150.00} Violation : Unverified derogatory marks are in violation of 15 U.S. Code 1681b. No proper documentation was provided when disputed.

4. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Issue : Late Payment Date Opened : XX/XX/XXXX | Balance : {$35000.00} Violation : Inconsistent payment reporting and failure to notify me before negative reporting violates 15 U.S. Code 1692e ( 8 ).

5. XXXX Acct # : XXXX Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$220.00} Violation : No documentation was provided to validate the debt as required under XXXX XXXX Code XXXX ( b ). 
6. XXXX Acct # : XXXX Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$550.00} Violation : No proper debt validation provided, violating the FDCPA Section 809. 
7. XXXX Acct # : XXXX Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$1500.00} Violation : Failure to comply with 15 U.S. Code 1681i for re-investigation of disputed debt. 
8. XXXX XXXX  XXXX Acct # : XXXX Issue : Collection Date Opened : XX/XX/XXXX | Balance : {$1100.00} Violation : Debt collectors must provide validation under 15 U.S. Code 1692g. 
9. XXXX XXXX XXXX Acct # : XXXX Issue : Collection Date Opened : XX/XX/XXXX | Balance : {$2700.00} Violation : No validation notice was received ; this is a violation of the FDCPA. 
10. XXXX XXXX XXXX Acct # : XXXX Issue : Collection Date Opened : XX/XX/XXXX | Balance : {$220.00} Violation : Continued collection without verification violates 15 U.S. Code 1692g ( b ).

11. XXXX XXXX  XXXX Acct # : XXXXXXXX XXXX Issue : Collection Date Opened : XX/XX/XXXX | Balance : {$300.00} Violation : Misleading credit reporting and failure to validate the debt violates FCRA 609 & FDCPA 809.

12. XXXX XXXX  Acct # : XXXX * Issue : Collection Date Opened : XX/XX/XXXX | Balance : {$210.00} Violation : Debt is inaccurately listed without proper substantiation. Violation of 15 U.S. Code 1681e ( b ).

13. XXXX XXXX XXXXXXXX Acct # : XXXX Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$170.00} Violation : Incorrect reporting and refusal to remove invalid data post-dispute under FCRA 611. 
14. XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Charge-Off Date Opened : XX/XX/XXXX | Balance : {$2500.00} Violation : Account was not properly validated nor was I notified before negative reporting. Violates 15 U.S. Code 1692e.

Legal Demands : I am demanding the following under my rights provided by the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ) : 1. Immediate removal of all inaccurately reported addresses.

2. Full investigation into each account listed and removal if validation or original signed contracts can not be provided.

3. Written confirmation of outcomes per FCRA 611 ( a ) ( 6 ).

4. Cease and desist from reporting unverifiable, outdated, or inaccurate negative items.

Please consider this a formal dispute and request for investigation. I request that this matter be escalated promptly, and that a full resolution and written response be provided within the required 30-day time period under federal law.

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