Consumer complaint received 2025-06-04 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and damaging entries on my credit report, which are negatively affecting my creditworthiness. Despite my efforts to correct these issues directly with the reporting agencies and creditors, the errors remain unresolved. I request a thorough investigation and immediate correction pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Below is a detailed list of the inaccurate information on my credit report : 1. Incorrect Addresses Reported on My Credit Profile Addresses listed : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX Ct, XXXX XXXX NJ XXXX These addresses are inaccurate and do not belong to me. Reporting incorrect personal information violates Section 1681e ( b ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
These false addresses may cause confusion, misidentification, and damage to my credit reputation. I request immediate removal or correction of all incorrect addresses from my credit file. 
2. XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$40000.00} Issue : Late Payments Reported I dispute the late payments reported on this account. Under Section 1681i ( a ) of the FCRA, when a consumer disputes inaccurate information, the credit reporting agency must conduct a reasonable reinvestigation and correct any errors. I request XXXX XXXX and the credit bureaus provide proof of these late payments or remove them immediately. 
If late payments were a result of extenuating circumstances or errors on the creditors part, I expect a goodwill adjustment or correction to reflect my accurate payment history. 
3. XXXX XXXX XXXXXXXX  # XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$100.00} Issue : Incorrect Collection Reporting This collection account is inaccurate and unverifiable. Under Section 1681s-2 ( b ) of the FCRA, debt collectors must report accurate information and investigate any consumer disputes regarding the validity of a debt. I request a full validation of this debt and removal from my credit file if it can not be verified. 
Additionally, per the Fair Debt Collection Practices Act ( FDCPA ), I request that the collector cease reporting this account if it is unverified or inaccurate. 
Summary and Request These inaccuracies are causing undue harm to my creditworthiness and violate my rights as a consumer. I demand the following corrective actions : Immediate reinvestigation of all disputed items under FCRA Section 1681i. 
Correction or deletion of all inaccurate addresses, late payments, and collection accounts. 
Written confirmation of the corrections made to my credit file. 
Notification of these corrections to all entities that have accessed my credit report within the past six months as required by law. 
Failure to correct these errors promptly may result in further action, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and pursuing legal remedies under the FCRA and FDCPA. 
I expect a response within 30 days of receipt of this complaint, as mandated by law. 
Thank you for your prompt attention to these serious matters.

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