Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against multiple furnishers and credit reporting agencies ( CRAs ) for reporting inaccurate personal information, erroneous account data, and violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692.

Despite multiple efforts to dispute these inaccuracies, the following erroneous addresses continue to appear on my credit report, which I have never lived at, nor do I have any association with 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 These entries are in violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain accurate and up-to-date information. 
Furthermore, several accounts listed on my credit report are either inaccurately reported or have resulted in unauthorized collections, charge-offs, or late payments. I have disputed these accounts with the CRAs, but they continue to be inaccurately verified without sufficient documentation : Accounts with Disputed Information 1. XXXX XXXX Acct # : XXXX o Issue : Reported late payment, balance {$540.00} o Violation : FCRA 1681i failure to properly investigate disputes 2. XXXX XXXX Acct # : XXXX o Issue : Two accounts with late payments ( {$810.00} & {$1000.00} ) o Violation : FCRA XXXX furnishing inaccurate information 3. XXXX XXXX XXXX XXXX Acct # : XXXX o Issue : Reported charge-off for {$7800.00} o Violation : FCRA XXXX, possibly re-aged debt 4. XXXX XXXX XXXX XXXX  Acct # : XXXX o Issue : Late payment for {$35.00} o Violation : Material inaccuracy, small-dollar account 5. XXXX XXXX XXXX Acct # : XXXX o Issue : Late payment on student loan ( {$22000.00} ) o Violation : FCRA XXXX681c obsolete information 6. XXXX XXXX Acct # : XXXX o Issue : Late payment ( {$22000.00} ) o Violation : FCRA 1681s-2 no proper verification 7. XXXX XXXX Acct # : XXXX o Issue : Charged-off collection for {$620.00} o Violation : FDCPA XXXX false/misleading representation 8. XXXX XXXX XXXX Acct # : XXXX o Issue : Late payment, balance {$4000.00} o Violation : FCRA 1681e ( b ) inaccurate reporting 9. XXXX XXXX XXXX XXXX Acct # : XXXX o Issue : Late payment, balance {$720.00} o Violation : Same as above 10. XXXX XXXX  Acct # : XXXX o Issue : Collection, balance {$1400.00} o Violation : FCRA & FDCPA unvalidated debt 11. XXXX XXXX XXXX Acct # : XXXX o Issue : Collection, balance {$1000.00} o Violation : FDCPA 809 no debt validation 12. XXXX Acct # : XXXX and XXXX o Issue : Duplicate collections ( {$250.00} and {$200.00} ) o Violation : FCRA 1681i duplicate reporting 13. XXXX XXXX XXXX Acct # : XXXX o Issue : Collection, balance {$200.00} o Violation : FDCPA 807 failure to validate and verify Complaint Summary / Personal Statement : I have been severely impacted by the continued presence of these inaccurate items. I have made good faith attempts to dispute them directly with the credit bureaus and furnishers, but either my disputes have been ignored or verified without real investigation or documentation. This negligence has harmed my credit score, limited my financial opportunities, and caused me undue stress. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to a fair and thorough investigation into all disputes. Under FCRA 623, furnishers must provide accurate information. Under FDCPA 809, all debt collectors must validate the debt when requested. 
Requested Relief : 1. Immediate deletion of all inaccurate personal addresses listed above.

2. A full investigation and deletion or correction of all the accounts listed with issues.

3. Proof of validation and legal responsibility for each debt reported.

4. Sanctions or fines imposed on any company or bureau that fails to comply with the law.

5. Confirmation in writing that these corrections have been made. 
Thank you for your attention to this matter. I request that my consumer rights be upheld, and the necessary corrective actions be taken swiftly. 
Sincerely, Ms 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