Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, committed by creditors and credit reporting agencies. I have found multiple incorrect, outdated, and harmful entries on my credit reports that are negatively impacting my financial life. These entries not only misrepresent my creditworthiness but also include serious violations of my rights under federal law. 
Issues and Accounts in Dispute 1. Inaccurate Address Reporting ( Violation of FCRA 1681e ( b ) ) The following addresses are incorrectly listed on my credit report. I have never resided at these locations. The presence of these addresses suggests severe inaccuracy and/or possible identity theft. 
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 Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy of consumer information. 
Relief Requested : Immediate removal of these addresses from all three credit bureaus. 
2XXXX XXXX  Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Status : Charge Off High Balance : {$0.00} This account shows a charge-off with a {$0.00} balance, which is inconsistent and misleading. An account can not be charged-off if it had no balance. 
Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate information FCRA 1681e ( b ) Failure to ensure maximum accuracy Relief Requested : Correction or complete deletion of this tradeline. 
XXXX. XXXX XXXX XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$58000.00} Issue : Late Payments Reported I dispute the reported late payments. I have documentation to prove timely payments or disputes under the billing rights. The information reported is not verified. 
Violations : FCRA 1681s-2 ( b ) Failure to conduct a proper reinvestigation upon dispute FCRA 1681i Failure to properly investigate disputed information Relief Requested : Deletion of the inaccurate late payments or complete removal of the tradeline if accurate validation is not provided. 
XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Balance : {$88000.00} Issue : Late Payments Reported Same issue as above late payments are inaccurately reported without proper validation. 
Violations : FCRA 1681s-2 ( b ) FCRA 1681XXXX ( b ) Relief Requested : Remove all negative marks unless validation documents are provided. 
* XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Balance : {$620.00} Issue : Late Payments This account was resolved and any late payment reporting is inaccurate and unverifiable. 
Violations : FCRA 1681s-2 ( a ) FCRA 1681i Relief Requested : Deletion or correction of the account. 
XXXX. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Balance : {$630.00} Issue : Reported as a Collection Account I do not recognize this account and it appears to be inaccurate or possibly fraudulent. 
Violations : FCRA 1681b Permissible purpose violation FCRA 1681e ( b ) Relief Requested : Immediate deletion due to lack of validation.

Requested Actions Immediate reinvestigation of all disputed accounts Removal of all inaccurate and unverifiable information Written confirmation of the actions taken Fines and enforcement actions against the furnishers of this inaccurate data if found in violation

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