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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute numerous inaccuracies on my credit report from various credit reporting agencies. These errors include multiple wrong addresses, charge-offs, late payments, and collections that I did not authorize or that have been reported incorrectly. Despite my efforts to correct these, these inaccuracies persist, severely damaging my creditworthiness and causing me undue hardship.

I request the CFPBs assistance in investigating these violations of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit information must be accurate, complete, and verifiable, and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair, deceptive, or abusive collection practices.

Below is a detailed list of the disputed accounts, the nature of the inaccuracies, and the relevant laws violated : 1. Wrong Addresses Reported on My Credit Report ( FCRA Section 609, 611 - Right to Dispute Inaccurate Information ) 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 These addresses are not mine, and their presence on my credit report constitutes inaccurate information that must be removed immediately. The presence of incorrect addresses can lead to mistaken identity and incorrect reporting of financial activity.

2. Charge-Off Accounts ( FCRA Section 609, 611 ; FDCPA Sections 807 - Prohibition Against False or Misleading Representations ) 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 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 XXXX XXXX  These accounts have been reported as charge-offs incorrectly or without proper validation. Under the FCRA, I have the right to have only accurate, verifiable information included in my credit file. If these debts are valid, I request documented proof of the debt and a full investigation. 
3. Late Payment Accounts ( FCRA Section 611 - Right to Dispute Inaccurate Information ) 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 Late payments reported on these accounts are inaccurate and unjustified. Late payments negatively impact my credit score, and reporting false late payments violates my rights under the FCRA.

4. Collections ( FDCPA Sections 807, 808 Prohibition Against False Representation and Harassment ) 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  These collection accounts contain inaccuracies regarding balances and account status. I dispute these collections and request proper validation of the debt and removal of any incorrect collection entries. Continued reporting of inaccurate collection accounts violates the FDCPAs prohibition against unfair and deceptive collection practices.

Summary of Requested Actions : 1. Immediately remove all incorrect addresses from my credit file.

2. Investigate and verify all disputed charge-offs, late payments, and collections. Remove any inaccurate or unverifiable information.

3. Provide me with documentation validating the accuracy of any debts you claim are valid.

4. Cease reporting any inaccurate information in accordance with the FCRA and FDCPA.

5. Confirm in writing when these corrections have been made. 
These inaccuracies have caused me significant distress and negatively affected my ability to secure credit and financial services. I trust the CFPB will take prompt action to ensure my rights as a consumer are protected. 
Thank you for your prompt attention to this 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