Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am submitting this Automated Consumer Dispute Verification ( ACDV ) to dispute inaccurate and unverifiable information on my credit report. The following items require immediate investigation with the respective data furnishers using the e-OSCAR system. Please apply the specified dispute codes and ensure compliance with FCRA verification requirements. 

* * Section A : Account Disputes * * The following accounts contain inaccurate or unverifiable information. Please forward these disputes to the data furnishers with the corresponding e-OSCAR dispute codes for validation. 

1. * * XXXX XXXX XXXX XXXX XXXX * * - Account Number : [ " Unknown '' ] - Dispute Code : 001 ( Not his/hers ) or 103 ( Account status incorrect ) - Issue : Account not mine or incorrect balance/status reported.

- Request : Verify account ownership and details. Delete if unverifiable per FCRA 1681i ( a ). 

2. * * XXXX * * - Account Number : [ " Unknown '' ] - Dispute Code : 112 ( Account information disputed by consumer ) - Issue : Incorrect balance, payment history, or late payments reported. 
- Request : Validate all account details with original creditor records. Correct or delete inaccuracies. 

XXXX. * * Department of Education ( Account 1 ) * * - Account Number : [ " Unknown '' ] - Dispute Code : 103 ( Account status incorrect ) or 106 ( Balance incorrect ) - Issue : Incorrect loan status, balance, or payment history.

- Request : Verify loan records with Department of Education. Update or remove if inaccurate.

4. * * Department of Education ( Account 2 ) * * - Account Number : [ " Unknown '' ] - Dispute Code : 103 ( Account status incorrect ) or 106 ( Balance incorrect ) - Issue : Incorrect loan status, balance, or payment history.

- Request : Verify loan records with Department of Education. Update or remove if inaccurate. 

5. * * XXXX * * - Account Number : [ " Unknown '' ] - Dispute Code : 001 ( Not his/hers ) or 112 ( Account information disputed ) - Issue : Unrecognized account or incorrect balance/status. 
- Request : Confirm account ownership and details. Delete if unverifiable. 

6. * * XXXX XXXX XXXX * * - Account Number : [ " Unknown '' ] - Dispute Code : 001 ( Not his/hers ) - Issue : Account not recognized ; possible fraudulent reporting. 
- Request : Validate account ownership with original creditor. Remove if unverifiable. 

7. * * XXXX XXXX XXXX XXXX ( Account 1 ) * * - Account Number : [ " Unknown '' ] - Dispute Code : 112 ( Account information disputed ) or 106 ( Balance incorrect ) - Issue : Incorrect balance, payment history, or account status. 
- Request : Verify all account details with XXXX XXXX. Correct or delete inaccuracies. 

8. * * XXXX XXXX XXXX XXXX ( Account 2 ) * * - Account Number : [ " Unknown '' ] - Dispute Code : 112 ( Account information disputed ) or 106 ( Balance incorrect ) - Issue : Incorrect balance, payment history, or account status. 
- Request : Verify all account details with XXXX XXXX. Correct or delete inaccuracies. 

9. * * XXXX  XXXX XXXX * * - Account Number : [ " Unknown '' ] - Dispute Code : 112 ( Account information disputed ) - Issue : Inaccurate balance or account status. 
- Request : Validate account details with XXXX XXXX XXXX. Correct or remove if inaccurate. 

* * Section B : Personal Data Disputes * * The following personal information is incorrect and must be updated or removed.

1. * * Multiple Addresses * * - Dispute Code : 022 ( Address information inaccurate ) - Issue : Multiple incorrect or outdated addresses listed. 
- Request : Remove all addresses except [ XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX ]. 

2. * * Employer Information * * - Dispute Code : 026 ( Employment information inaccurate ) - Issue : Incorrect employer listed as XXXX XXXX. 
- Request : Remove Apex Systems as employer * * Section C : Additional Instructions * *- Please process this ACDV through the e-OSCAR system and ensure data furnishers conduct a thorough investigation as required by FCRA 1681s-2 ( b ).

- If any disputed item can not be verified with original documentation, it must be deleted from my credit file per FCRA 1681i ( a ) ( 5 ).

- Provide a detailed response, including the furnishers verification results, within 30 days. 
- Send an updated credit report to my address listed above.

* * Section D : Consumer Statement * * The inaccurate reporting of these items may stem from predatory practices by certain furnishers who fail to validate accounts properly. I demand a full investigation to ensure compliance with federal law.

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