Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and unlawful reporting practices on my credit report related to various accounts managed by multiple creditors and debt XXXX. Despite my efforts to resolve these matters directly, these issues remain uncorrected, causing significant harm to my creditworthiness and financial reputation. 
1. Incorrect Addresses Reported My credit report lists multiple addresses that are not mine and have never been associated with me. These false addresses include but are not limited to : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX The presence of these incorrect addresses violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require credit reporting agencies and furnishers to maintain accurate and complete information. Misreporting these addresses risks identity confusion and fraud, and I demand immediate investigation and correction.

2. Late Payments on Multiple Accounts The following accounts show inaccurate late payment records which I dispute, as I have not been properly notified or given opportunity to resolve these alleged delinquencies XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; High Balance : {$22000.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; High Balance : {$1000.00} ; Opened : XX/XX/XXXX DEPT OF XXXX, Account # XXXX * * * * * * * * * ; High Balance : {$9400.00} ; Opened : XX/XX/XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$25000.00} ; Opened : XX/XX/XXXX DEPT OF XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4500.00} ; Opened : XX/XX/XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3500.00} ; Opened : XX/XX/XXXX DEPT OF XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; High Balance : {$6000.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; High Balance : {$3000.00} ; Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} ; Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers of credit information are obligated to provide accurate data. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) requires that debt collectors verify debts and notify consumers of disputes. I assert that these reported late payments are inaccurate or unverified, and I request a thorough investigation and correction. 
Legal Basis and Demand Per the FCRA, I am entitled to have all inaccurate, incomplete, or unverifiable information promptly investigated and corrected or deleted from my credit report. The continued presence of these false addresses and disputed late payments constitutes a clear violation of my rights and has caused undue damage to my credit score and financial opportunities.

I request the following actions immediately : 1. Investigate and remove all incorrect addresses listed on my credit report.

2. Investigate and verify all reported late payments on the accounts above ; if unverifiable, remove them promptly.

3. Provide me with written confirmation of all corrections made to my credit file.

4. Cease reporting any disputed information until verification is complete.

Failure to comply with these requests will leave me no option but to pursue further action, including but not limited to legal remedies to protect my rights under federal consumer protection laws. 
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