Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please investigate and correct or remove the following items from my report as necessary. 
________________________________________ INCORRECT ADDRESSES Addresses to be Removed : XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX : These addresses are incorrect and do not belong to me. 
FCRA Violation : 607 ( b ) Failure to ensure maximum possible accuracy Action Requested : Please delete these addresses from my credit file immediately.

________________________________________ LATE PAYMENT ACCOUNTS 1. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$18000.00} Issue : This account is reporting a late payment that I dispute as inaccurate. 
FCRA Violation : 611 ( a ) Failure to conduct a reasonable reinvestigation Action Requested : Please verify with original records or remove the account. 
2. XXXX XXXX XXXX XXXX Account Number : [ Redacted for Privacy ] Date Opened : XX/XX/XXXX High Balance : {$35000.00} Issue : This account is showing a late payment I do not recognize. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information Action Requested : Remove or correct the inaccurate payment history. 
________________________________________ BANKRUPTCY PUBLIC RECORD XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Bankruptcy Chapter XX/XX/XXXX is showing under this account. 
Public Info Reference # : XXXX Court : U.S. Bankruptcy Court Issue : I dispute the accuracy and reporting of this bankruptcy record.

FCRA Violation : 607 ( b ) Reporting outdated or inaccurate public record Action Requested : Validate this item with official court documentation or delete it if unverifiable. 
________________________________________ COLLECTION ACCOUNTS 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} Issue : This collection is inaccurate or unverifiable. 
FCRA Violation : 611 ( a ) Failure to provide validation Action Requested : Remove this item from my report if not validated. 
2. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$310.00} Issue : This account is reporting without proper verification. 
FCRA Violation : 623 ( a ) ( 5 ) Reporting unverifiable data Action Requested : Remove this item unless validated with original documentation. 
3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$400.00} Issue : Disputed collection potentially inaccurate or outdated. 
FCRA Violation : 607 ( b ) Lack of accuracy in reporting Action Requested : Remove this account unless verified with signed contract. 
4. XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX High Balance : {$250.00} Issue : Invalid collection account. 
FCRA Violation : 611 ( a ) No proper verification provided Action Requested : Delete this account if not verifiable. 
5. XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Issue : Collection account is unknown and appears inaccurate. 
FCRA Violation : 611 ( a ) Right to dispute and reinvestigation Action Requested : Provide validation or delete.

________________________________________ FINAL REQUEST Under FCRA guidelines, I respectfully request : 1. Removal of all incorrect addresses.

2. Investigation and deletion or correction of all late payments and collections.

3. Deletion or validation of the public record.

4. An updated copy of my credit report after corrections are made.

Please complete this investigation within 30 days as required under FCRA 611.

Thank you for your time and prompt attention to this matter. 
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