Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to dispute numerous incorrect and misleading entries on my credit report furnished by multiple creditors and collection agencies. These errors have unjustly damaged my credit standing and violate my rights under federal consumer protection laws. Below is a detailed breakdown of the inaccuracies and applicable legal violations for each : Incorrect Address Reporting My credit report lists multiple addresses that have never been associated with me, indicating possible identity mix-up or reporting errors : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Violation : Fair Credit Reporting Act ( FCRA ) 605B, 15 U.S.C. 1681c-2 Requires removal/blocking of information resulting from identity theft or inaccurate address reporting to prevent consumer harm. 
Accounts with Late Payments XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Erroneous late payments reported despite timely payments or disputed amounts. 
Violation : FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Duty of furnishers to report accurate payment history.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of false or misleading information. 
XXXXXXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$460.00} Same violations as above. 
XXXX. XXXX XXXX ( Multiple Accounts ) Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balances : {$670.00}, {$700.00}, {$500.00} Late payments inaccurately reported. 
Violations : Same as above ( FCRA & FDCPA ). 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3200.00} Erroneous late payments. 
Same violations. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Same violations. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$42000.00} Incorrect late payment listings. 
Violations : FCRA & FDCPA. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$59000.00} Same violations. 
XXXX. XXXX XXXXXXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dates Opened : XX/XX/XXXX, XX/XX/XXXX Balances : {$150.00}, {$210.00} Incorrect late payments. 
Violations : FCRA & FDCPA. 
Accounts with XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2300.00} Charge-off reported inaccurately or without proper validation. 
Violations : FCRA 611 Investigation and correction required ; FDCPA 807, 808. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Same violations. 
XXXX. XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2600.00} Same violations. 
XXXX XXXX XXXXXXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Dates Opened : Various in XXXX Balances : {$100.00}, {$290.00}, {$200.00}, {$270.00}, {$200.00} Charge-offs inaccurately reported or unverified. 
Violations : FCRA & FDCPA. 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$7500.00} Same violations. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3900.00} Same violations. 
Accounts in Collections XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1400.00} Collection listed without proper debt validation or dispute resolution. 
Violation : FDCPA 809, 812 Validation of debt, prohibition on collection without verification.

Summary and Request Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate and verified credit information. I request : 1. Immediate investigation of each disputed account and address.

2. Removal or correction of all inaccurate late payments, charge-offs, collections, and incorrect addresses.

3. Validation and proof of debt before any collection reporting.

4. Confirmation of corrections in writing to ensure my credit report is accurate and compliant with federal law.

Failure to comply will compel me to pursue further legal action, including reporting to the Consumer Financial Protection Bureau, Federal Trade Commission, and seeking remedies under applicable consumer protection statutes.

Thank you for your prompt attention to this serious 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