Consumer complaint received 2025-07-12 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:
To Whom It May Concern, I am writing to formally dispute several inaccurate, outdated, and unverifiable items appearing on my Experian credit report. These accounts and addresses are reporting in error and are causing significant harm to my creditworthiness, despite multiple attempts to resolve these inaccuracies. Under my rights afforded by the Fair Credit Reporting Act ( FCRA ), I am demanding immediate investigation and deletion or correction of the accounts and addresses listed below.

Please understand that I am not simply disputing these items to evade responsibility but to correct serious reporting violations that are misleading and unjust. These errors have made it difficult for me to move forward financially, secure housing, and obtain fair interest rates. I respectfully ask Experian to thoroughly investigate and take action in compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : This is not a residence Ive ever lived at. 
Law : FCRA 607 ( b ) ; 609 ( c ) ( 2 ) Story : This address has never been associated with me. Its presence on my report may be due to a data mix-up or identity confusion. Reporting an inaccurate address can lead to misidentification and improper association with unrelated accounts. I am requesting immediate removal. 

XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Issue : This is also not my address. 
Law : FCRA 607 ( b ) ; 609 ( c ) ( 2 ) Story : I have no known affiliation with this address. Including this location on my credit file is misleading and potentially harmful. This must be deleted from my report immediately to ensure the file is accurate and complete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4000.00} Issue : Inaccurate reporting of late payments.

Law : FCRA 623 ( a ) ( 1 ) ( A ) ; FCRA 602 ( A ) Story : The late payments reflected on this account are incorrect. I made timely payments during the reported periods, and no notice or communication was ever sent regarding delinquency. This inaccurate reporting violates my rights under the FCRA and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$18000.00} Issue : Late payments reported inaccurately. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) ; FCRA 611 Story : I experienced financial hardship during this period and made efforts to communicate with the creditor for accommodations. The creditor failed to update my account properly. These reported delinquencies do not reflect the full context and must be corrected or deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$29000.00} Issue : Reported late payments during a deferment period. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) ; CFPB Reporting Guidelines Story : I was on an agreed payment plan and deferment due to a temporary hardship. Reporting missed payments during this time misrepresents the arrangement and conflicts with proper credit reporting practices. I am requesting removal of these late payment notations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Charge-off reported with a {$0.00} balance and no full payment history.

Law : FCRA 607 ( b ) ; Metro 2 Guidelines Story : This account is reporting as a charge-off, but the balance is {$0.00}, suggesting resolution. If the balance is resolved or the account is closed in good standing, it should not remain as a derogatory account. Either the charge-off must be removed or properly clarified to reflect accurate status. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$17000.00} Issue : Unverified charge-off reporting with missing payment history.

Law : FCRA 611 ; FCRA 623 ( b ) Story : This account is reporting a charge-off without clear validation or supporting details. I have not received verification or notice from the furnisher, nor has Experian provided evidence of proper reporting. I am requesting full deletion of this account. 

XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Collection account not validated, possible re-aged. 
Law : FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 5 ) Story : XXXX XXXX is reporting this collection account without providing proper validation of the debt. Additionally, the date of last activity is inconsistent with the original creditor 's record, suggesting possible re-aging. I never received proper notice of this debt. Please remove this collection immediately under my rights. 

Conclusion : This letter is written in good faith with the expectation that Experian will fulfill its legal obligation to maintain accurate and fair reporting under the Fair Credit Reporting Act. If these inaccurate entries are not corrected or removed within the timeframe required by law, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General. 

I respectfully request written confirmation of the outcome of this investigation and an updated copy of my Experian credit report reflecting all corrections. Thank you for your 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