Consumer complaint received 2025-06-09 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 formally dispute multiple inaccurate and potentially duplicative entries appearing on my credit file that violate my rights under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX et seq. These reporting errors are materially damaging my credit reputation and are being reported despite prior attempts at resolution. I am requesting that your agency immediately investigate and correct these inaccuracies as required by law. 
XXXX. Inaccurate Address Reporting The following addresses listed on my credit file are factually incorrect, and I have never resided at or used them in any personal or financial capacity. Their presence on my file indicates severe procedural inaccuracies or potential identity mixing : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX remove these addresses from my credit report immediately, as retaining them violates your responsibility under XXXX ( b ) to maintain accurate and up-to-date records. 
XXXX. Disputed and Possibly Inaccurate or Misreported Accounts Additionally, the following account entries contain charge-offs, late payments, or collections that are either factually incorrect, misrepresented, or duplicative. I am requesting a full investigation into each, as required under XXXX of the FCRA : XXXX XXXX XXXX o Account # : XXXX * * * o Balance : {$10000.00} o Opened : XX/XX/XXXX o Issue : Reported late payments despite dispute ; requires revalidation. 
XXXX XXXX ( Appears to be duplicated ) o Account # : XXXX * * * * * o Balance : {$16000.00} ( Opened : XX/XX/XXXX ) o Balance : {$2000.00} ( Opened : XX/XX/XXXX ) o Issue : Potential duplicate accounts with conflicting balances. 
XXXX XXXX o Account # : XXXX * * * * o XXXX : {$400.00} o Opened : XX/XX/XXXX o Issue : Late payment reporting disputed ; verify all records. 
XXXX o Account # : XXXX * * o XXXX : {$380.00} o Opened : XX/XX/XXXX o Issue : XXXX reported inaccurately. I was never notified or verified. 
XXXX XXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * * * * o Balance : {$0.00} o Opened : XX/XX/XXXX o Issue : Reporting a charge-off for a {$0.00} balance, which is inaccurate and misleading. 
Action Requested : XXXX. Immediately investigate and correct or delete the above-referenced account and address inaccuracies from my credit file. 
XXXX. Provide a written explanation of your investigation findings and the steps taken in compliance with FCRA XXXX. 
XXXX. Send me an updated copy of my credit report reflecting these corrections once completed. 
Please consider this letter a formal dispute under the FCRA. Failure to correct these items in a timely manner may result in further action, including a complaint to the Consumer Financial Protection Bureau ( XXXX  ) and potential legal remedies. 
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