Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Addresses on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unverifiable personal information appearing on my consumer credit report, specifically concerning my reported addresses, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I request a thorough reinvestigation of the following addresses listed on my credit report, as they are either incorrect, outdated, or have never been my residence. I demand their immediate removal from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I have never resided at this specific unit/address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is incomplete as it lacks my specific unit number, or it is not an address I have resided at. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX ( Address ID # XXXX ) - I have never resided at this specific unit/address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX ( Address ID # XXXX ) - I have never resided at this specific unit/address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX ( Address ID # XXXX ) - I have never resided at this specific unit/address. 

XXXX XXXX XXXX XXXX, XXXX FL, XXXX ( Address ID # XXXX ) - I have never resided at this address. 

XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX ( Address ID # XXXX ) - I have never resided at this specific unit/address. 

My only current and accurate address is [ Your Current, Accurate Address, City, State, Zip Code ]. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. If, after your investigation, you can not fully verify the accuracy of these addresses, they must be promptly deleted from my credit report. 

Please provide me with the results of your reinvestigation within the XXXX timeframe mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date Generated XXXX XXXX, 2025 Report Number XXXX second letter : NO RESPOND. THIS IS A VIOLATION Subject : Comprehensive Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, This letter serves as a formal and comprehensive dispute of inaccurate, incomplete, and unverifiable information appearing on my consumer credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I have enclosed detailed, separate dispute letters, each addressing specific inaccuracies found within my Experian credit report dated [ Date of your Experian Report ]. These letters cover XXXX main categories of inaccuracies : Inaccurate Personal Information ( Addresses ) : A dedicated dispute letter is enclosed detailing several addresses reported on my file that are either incorrect, outdated, or have never been my residence. I request that these be thoroughly investigated and removed. 

Inaccurate Account Information : Separate dispute letters are enclosed for each specific account listed below. Each letter provides detailed reasons for the dispute, including inaccuracies in payment history, charge-off dates, " On Record Until '' dates, and other pertinent details that violate FCRA standards for accuracy and completeness. I have also simultaneously sent identical disputes directly to the respective furnishers of this information. 

The accounts being disputed in detail are : XXXX XXXX ( Account Number : XXXX ) - You mentioned this in a prior query, so I'm including it here as part of a comprehensive dispute if you're disputing it again. 

ADS/COMENITY/ULTA ( Account Number XXXX XXXX ) - You mentioned this in a prior query, so I'm including it here as part of a comprehensive dispute if you're disputing it again. 

XXXX XXXX ( Credit Card - Account Number : 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 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of all disputed information within 30 days and to forward all relevant information from these disputes to the respective furnishers. 

I expect to receive the results of your reinvestigation for all disputed items within the timeframe mandated by the FCRA, along with confirmation of the removal or correction of all inaccurate or unverifiable information. 

Thank you for your prompt attention to this critical matter. 

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