Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute several items listed on my credit report which I believe are either inaccurate, unverifiable, or no longer relevant. These items are negatively impacting my creditworthiness and do not reflect my true financial behavior. 
As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I respectfully request that your agency reinvestigate these matters and ensure compliance with federal regulations. The inaccurate data not only violates my legal rights but also creates a major emotional and financial burden for me and my family. 
________________________________________ Inaccurate Addresses to Be Removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : These addresses are either outdated, inaccurately formatted, or are completely unknown to me.

FCRA Violation : Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports.

Action Requested : Please remove these addresses from my credit file immediately. 
________________________________________ Negative Accounts for Reinvestigation 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 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 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 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 Issue : These accounts are either inaccurately reported, not properly validated, or do not belong to me. I have not received any verifiable documentation proving the accuracy of the information listed. 
FCRA Violation : FCRA 623 ( a ) ( 1 ) ( A ) : Information furnishers must provide only complete and accurate data.

FCRA 611 : I have the right to dispute and request reinvestigation of inaccurate or unverifiable information.

FCRA 609 ( a ) ( 1 ) : I am entitled to know the sources of the information being reported.

Action Requested : I am requesting full verification of these accounts. If the reporting entities can not produce valid and complete documentation, these accounts should be removed immediately from my credit report. 
________________________________________ Inquiries That Require Review 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 XXXXXX/XX/XXXX Issue : Many of these hard inquiries were made without my full authorization or knowledge.

FCRA Violation : FCRA 604 states that a credit report can only be accessed with permissible purpose and consent. Unauthorized inquiries must be removed. 
Action Requested : Please conduct a review of these inquiries and delete any that can not be validated with clear consent records. 
________________________________________ A Personal Note Life isnt always linear. Like many Americans, Ive gone through difficult seasonsfinancial hardship, personal loss, and unexpected circumstances that tested my strength. I am not perfect, but I have always tried to take responsibility for my obligations. 
Seeing accounts I dont recognize, addresses that dont belong to me, and inaccurate late payments on my report is more than frustratingits disheartening. This false information has held me back from achieving important goals like securing housing and financial security for my family. XXXX asking for a fair reviewnot just for my credit, but for my peace of mind. 
________________________________________ Summary of Requested Actions : Remove all incorrect or outdated addresses listed above. 
Reinvestigate and delete any unverifiable or inaccurately reported accounts. 
Remove unauthorized hard inquiries. 
Send me an updated credit report showing these corrections. 
Please treat this as a formal dispute and reinvestigation request in accordance with FCRA 611. I look forward to a timely resolution within the required 30-day investigation period. 
Thank you for your time, attention, and adherence to federal law. 
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