Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
This letter serves as my third formal follow-up in disputing erroneous information that remains inaccurately reported on my credit file despite prior documented disputes. It is deeply disappointing to find these issues unresolved, perpetuating continued violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and compounding the harm to my livelihood and emotional well-being.

I did not arrive at this point lightly. Like many hardworking individuals, Ive faced hardshipfrom health issues to employment instabilityyet through it all, Ive tried to rebuild my financial standing with integrity. The continuation of inaccurate data on my credit file obstructs this process and unfairly distorts my financial narrative. The FCRA was enacted to prevent precisely this kind of sustained injury, and your failure to comply with its provisions is not just a procedural lapseit is a denial of my legal and human dignity. 
Your failure to correct, remove, or adequately verify outdated and false information following my previous disputes constitutes ongoing noncompliance with FCRA 611, which mandates reinvestigation of disputed data within 30 days. Despite this legal obligation, you have failed to rectify or explain the persistence of addresses I have never resided at, inquiries I did not authorize, and accounts that either do not belong to me or are misreported without proper substantiation. 
The following addresses remain falsely associated with my name and must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXK XXXX NY XXXX These entries violate FCRA 607 ( b ), which requires consumer reporting agencies to employ reasonable procedures to ensure maximum possible accuracy. 
Additionally, the following accounts continue to reflect inaccurately and have not been properly validated in accordance with FCRA 623 ( a ) ( 1 ) ( A ) and 609 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This account reports late payments that I dispute and for which no validating billing records or payment history have been provided. 
XXXX XXXX XXXXXXXX : This account is marked as charged-off, yet I have never received a closing statement or formal notice confirming such action. 
XXXX XXXX XXXX XXXXXXXX : This collection entry is duplicative and unverifiable, and I have never been contacted regarding this alleged debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXhe high balance and charge-off are disputed ; I have not been provided the original application or transaction record. 
XXXX XXXX XXXX XXXX XXXX  This account is marked as charged-off inaccurately and no supporting contract or account history has been shown. 
These tradelines are reported with derogatory marks such as charge-offs and collections, yet no original documentation, billing records, or contracts bearing my signature have ever been provided. Under FCRA 611, you are required to delete information that is unverifiable. Your continued reporting of these accounts, in the absence of legal validation, represents willful noncompliance subject to damages under FCRA 616.

Furthermore, the following inquiries must be scrutinized and removed if lacking explicit permissible purpose and documented consumer consent as required under FCRA 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repeated inquiries from the same furnishers within short periods, including future-dated entries, suggest either systemic error or unauthorized access to my credit file. The burden of proof lies on the party accessing my credit to demonstrate permissible purpose. 
This pattern of persistent reporting errors has already resulted in tangible harm : I have been denied rental housing, subject to predatory loan terms, and suffered emotional stress from being forced to explain inaccuracies to potential creditors and landlords. I remind you that stall tactics and boilerplate responses are unacceptable under the FCRA and will not satisfy your statutory duties. I do not accept excuses, general denials, or third-party dismissals in lieu of lawful validation. 
Please be advised that if these inaccuracies are not corrected within 10 days, I will proceed to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the New York State Attorney Generals Office, and other appropriate regulatory bodies. Further, I will pursue statutory damages for noncompliance under 15 U.S.C. 1692k. Your failure to uphold federal requirements will be met with full legal response. 
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