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: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding numerous inaccurate, outdated, unverifiable, and unlawfully reported items currently appearing on my credit report, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ).

Despite previous attempts to dispute and correct these entries directly with the credit bureaus, the following issues persist : 1. Incorrect Addresses Reported The following addresses have no connection to me and are causing confusion in verifying my identity. These entries represent inaccurate and unverifiable personal information under FCRA 1681e ( b ) and must be removed : 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 Violation of FCRA 1681e ( b ) : Failure to maintain accurate information Relief Requested : Immediate deletion of all listed incorrect addresses from all credit reports 2. Accounts with Inaccurate and Unverifiable Negative Marks I am disputing the following accounts that are reporting late payments or charge-offs that I either do not recognize, were not notified about, or are otherwise unverifiable under the law. 
Charge-Offs/ Collections/ Errors : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Charge-Off | High Balance : {$3000.00} Violation : FCRA 1681s-2 ( a ) ; no proof of valid debt or notification provided Late Payments ( Unfair Reporting ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Late Payments | Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX | Late Payments | Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$180000.00} | Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Late Payment Violation of FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigation Relief Requested : Investigation of reported delinquencies, removal of inaccurate entries 3. Disputed Accounts Potentially in Violation of FDCPA and FCRA The following accounts are reporting inaccurately, potentially without proper validation or may be duplicative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education 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  FCRA 1681b ( a ) : Information furnished without permissible purpose FDCPA 809 ( 15 USC 1692g ) : Failure to validate debt upon request Relief Requested : Full debt validation for all listed accounts or immediate removal from credit reports Legal Summary : The continued reporting of these inaccurate items reflects a reckless disregard of the law, and I hereby assert my rights under : FCRA 1681e ( b ) : To ensure maximum possible accuracy of consumer report information FCRA 1681i : Right to dispute and receive verified corrections FCRA 1681s-2 : Responsibility of furnishers to report accurate information FDCPA 809 ( 15 USC 1692g ) : Right to dispute debt and demand validation Requested Actions : 1. Immediate deletion of all incorrect addresses listed above 2. Full investigation of each listed account with supporting documentation 3. Deletion of any unverifiable or unvalidated debts or derogatory marks 4. Written confirmation of these corrections across all three credit bureaus I am requesting this matter be resolved within the 30-day investigation period per FCRA guidelines . Please also provide copies of any documentation used to verify the disputed information.

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