Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies Equifax, Experian, and TransUnion for their failure to maintain accurate and verifiable information on my consumer credit report as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Despite multiple attempts to dispute and correct these inaccuracies, the following items continue to be misreported : Incorrect Addresses Reported The following addresses are inaccurately reported on my credit file and do not belong to me 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 addresses are completely unfamiliar, and their continued presence on my report represents a violation of FCRA Section 602 ( A ) which mandates maximum possible accuracy in consumer credit reports. 
I am requesting that these addresses be permanently removed from my credit reports across all three bureaus. 
Account with Inaccurate & Harmful Reporting Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$12000.00} Issue : Repeated Late Payments and High Balance This account is reporting late payments inaccurately and inconsistently. I have no recollection of authorizing or being delinquent on this account in the manner presented. Furthermore, the high balance appears inflated and misleading, severely damaging my creditworthiness. 
Per FCRA Section 609 ( a ) ( 1 ) and 611, I am entitled to receive a full and verifiable breakdown of the data reported, including contracts or documents bearing my signature. If the bureaus and the furnisher ( creditor ) can not validate the accuracy of the reporting, it must be immediately removed from my file.

Applicable Legal Violations FCRA 602 ( A ) : Inaccurate addresses violate the requirement for maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : I have the right to know the sources and see documentation behind the information being reported.

FCRA 611 : Failure to correct or remove inaccurate information after dispute.

FCRA 623 : Data furnishers must report only complete and accurate information. 
FDCPA 807 : If any of these debts are being collected improperly, it may also constitute false or misleading representation of debt.

Resolution Requested I respectfully demand the following actions be taken without delay : 1. Remove the inaccurate addresses listed above from all of my credit reports.

2. Fully investigate and delete the XXXX XXXX XXXX account if it can not be validated with original signed documentation.

3. Provide written confirmation of investigation outcomes within the timeframe mandated by FCRA.

4. Cease and desist from reporting unverifiable or inaccurate information moving forward. 
Failure to comply with these requests may result in formal legal action and further complaints to the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 
Thank you for your prompt attention to this matter.

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