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: NC

Complaint narrative:
Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am submitting this dispute to address inaccurate and unauthorized information currently reporting on my credit file. Please find below a detailed breakdown of accounts, addresses, and inquiries that must be reinvestigated, verified, or removed. 
________________________________________ INCORRECT ADDRESSES TO BE DELETED Please remove the following addresses from my credit report. They are either outdated, duplicated, or were never associated with me : XXXX XXXX, XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX FCRA Violation : 602 ( a ), 609 ( c ), 607 ( b ) maintaining inaccurate personal information.

Action Requested : Please delete all the addresses above and retain only my current verified address. 
________________________________________ ACCOUNTS WITH LATE PAYMENTS/ CHARGE-OFF TO BE VERIFIED OR DELETED XXXX. XXXX XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$1400.00} Issue : Late payment reporting appears inaccurate and not properly validated. 
FCRA Violation : 611 ( a ), 623 ( a ) ( 1 ) Action Requested : Remove all late payments or delete account if verification fails. 
2. XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX XXXX XXXX : {$600.00} Issue : Payment history is inconsistent. 
FCRA Violation : 607 ( b ), 611 ( a ) Action Requested : Delete or correct late payment records. 
3. XXXX XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Duplicate account number with conflicting reporting.

FCRA Violation : 607 ( b ) Action Requested : Remove duplicate or merge data correctly. 
4. XXXX XXXX # XXXX * * * * * * Date Opened : XX/XX/XXXX High Balance : {$860.00} Issue : Reported as charge-off without full documentation. 
FCRA Violation : 623 ( b ) furnisher obligation to verify disputed data.

Action Requested : Remove charge-off record or delete account. 
5. XXXX XXXX # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : Late payments appear incorrect and unverifiable. 
FCRA Violation : 611 ( a ) Action Requested : Delete late payments or remove account. 
XXXX XXXX # XXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX XXXX XXXX : {$39000.00} Issue : Repeated delinquencies may be inaccurately reported.

FCRA Violation : 623 ( a ) ( 1 ) Action Requested : Verify and remove unvalidated late payment history. 
7. XXXX XXXX XXXX # XXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$27000.00} Issue : Inconsistent payment entries. 
FCRA Violation : 607 ( b ), 611 Action Requested : Remove late payments or delete account if validation fails. 
8. XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$980.00} Issue : Recent late payment reported incorrectly. 
FCRA Violation : 611, 623 Action Requested : Remove late payments or delete the account.

________________________________________ UNAUTHORIZED HARD INQUIRIES TO BE REMOVED The following inquiries appear on my credit report without my consent or permissible purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violation : 604 ( a ) ( 3 ) No permissible purpose established for credit pulls.

Action Requested : Remove all unauthorized hard inquiries listed above.

________________________________________ FINAL REQUEST Per the Fair Credit Reporting Act, I am formally requesting : A full reinvestigation of each item Deletion of unverifiable or inaccurate information A written explanation of the investigation results An updated copy of my credit report reflecting all corrections Thank you for your immediate attention. I expect to receive a response within 30 days of receipt of this letter. 
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