Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this written dispute because my credit report continues to contain inaccurate, outdated, and misleading information. These items do not accurately reflect my true credit history or personal information and are negatively impacting my financial profile. I am requesting the permanent removal of each item listed below not corrections or updates as they are unverifiable, incomplete, or reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX These addresses are incorrect and do not belong to me. Reporting false addresses creates confusion and misrepresents my identity. Under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation of disputed information, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates that credit bureaus maintain maximum possible accuracy.

Because these addresses are unverifiable, I am requesting their permanent deletion from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} These accounts are inaccurately reported as late or derogatory despite having XXXX balances. Reporting late closed status on accounts that are fully paid and inactive is misleading and unlawful.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), the bureaus must reinvestigate disputed information. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits inaccurate reporting, while FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy. Finally, 605B / 15 U.S.C. 1681c-2 requires blocking or deletion of unverifiable items. 
I am requesting permanent removal of these accounts from all three credit bureaus. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} These accounts are listed as charged off, but the reporting is inconsistent and unverifiable. One reflects a XXXX balance, while the other shows outdated information. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), any unverifiable account must be deleted after a reasonable reinvestigation. Additionally, 605B / 15 U.S.C. 1681c-2 mandates blocking or permanent deletion of unverifiable or inaccurate accounts.

For these reasons, I request the complete removal of these charged-off entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$890.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} MIDLANDCRE XXXX * Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$230.00} Each of these collection accounts is unverified, outdated, or inaccurately reported. Their continued presence severely damages my credit profile and is in direct violation of federal law.

Under FDCPA 807 ( 15 U.S.C. 1692e ), collectors may not use false, deceptive, or misleading representations in connection with any debt. Additionally, FDCPA 809 ( 15 U.S.C. 1692g ) requires proper verification and validation of debts upon request, which has not been provided for these accounts.

Because these debts remain unverifiable, I am demanding their permanent deletion from my credit file.

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