Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
I am formally disputing multiple inaccurate, outdated, and harmful entries listed on my credit report. These entries are causing undue harm and are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I request an immediate reinvestigation and correction as required under FCRA 611.

Mortgage Accounts ( Potential Duplicate Reporting ) 1. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$180000.00} Status : Late Payment Issue : FCRA Violation Possible triplicate reporting of a single mortgage account under different names. 
Action Requested : Please investigate and remove duplicates if confirmed. Multiple listings for the same account unfairly damage my credit score and violate FCRA 607 ( b ) requiring accuracy.

Charge-Off Accounts 4. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$4300.00} Status : Charge Off 5. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$13000.00} Status : Charge Off 6. XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$41000.00} Status : Charge Off 7. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$13000.00} Status : Charge Off 8. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$10000.00} Status : Charge Off 9. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$17000.00} Status : Charge Off 10. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$15000.00} Status : Charge Off Issue : FCRA Violation Potential inaccurate reporting and failure to validate charge-off status under FCRA 611 & 623 ( a ) ( 1 ) ( A ).

Action Requested : Full verification required. Remove if not verified with original documents or if outside statute of limitations.

Late Payment Accounts 11. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$390.00} Status : Late Payment 12. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$7100.00} Status : Late Payment Issue : Repeated late payment entries are inaccurately affecting my credit worthiness.

Action Requested : Validate dates of delinquency and provide documentation or remove entries.

Collections 13. XXXX XXXX XXXX Account # XXXXXXXX XXXX  Opened : XX/XX/XXXX High Balance : {$980.00} Status : Collection 14. XXXX XXXX XXXX Account # XXXXXXXX XXXX  Opened : XX/XX/XXXX High Balance : {$5200.00} Status : Collection Issue : FCRA Violation Collection entries must be validated under FCRA 809 of the FDCPA and can not be reported without proof.

Action Requested : Demand full validation or immediate removal.

________________________________________ Under the FCRA, all items on my credit report must be : Accurate ( FCRA 607 ( b ) ) Verified ( FCRA 611 ) Reported fairly and without duplication ( FCRA 623 ) Any item that can not be verified with original documentation must be deleted. This includes all charge-offs, late payments, duplicates, and collections mentioned above.

Due to these negative entriesmany of which are outdated, misreported, or duplicatedI have been denied housing, faced higher insurance premiums, and suffered immense emotional XXXX These inaccuracies are not only unjust but have also made it extremely difficult for me to rebuild my life after serious financial hardship brought on by medical expenses and employment disruption.

Im not asking for anything outside my legal rightsonly that my credit report reflects the truth and complies with the laws designed to protect consumers like me.

1. Conduct a thorough reinvestigation of all items listed above.

2. Delete any inaccurate, unverifiable, outdated, or duplicate entries.

3. Provide written confirmation of the results and a free updated copy of my credit report.

4. Complete this process within the 30-day window mandated by FCRA 611.

If these matters are not resolved, I will proceed with filing complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and consider legal remedies.

Thank you for your attention to this urgent matter. I appreciate your timely assistance and expect a fair review.

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