Consumer complaint received 2025-06-01 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: HI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and potentially unlawful credit reporting practices by XXXX/XXXX  and related credit reporting agencies concerning my credit file. 
XXXX. Multiple Incorrect Addresses on Credit Report My credit report currently reflects numerous inconsistent and conflicting addresses, all listed as belonging to me : XXXXXXXX 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 These inconsistent and overlapping addresses create confusion and negatively impact my credit profile and creditworthiness. The Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit report. The presence of multiple inaccurate addresses violates this requirement, resulting in misleading and incomplete credit information. 
XXXX. Dispute of XXXX Charge-Off Account Account : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off High Balance : {$1400.00} Date Opened : XX/XX/ I dispute the accuracy and validity of this charge-off account on my credit report for the following reasons : I have not been provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires debt collectors to provide verification of the debt upon request.

Under the FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information on my credit report, and the credit reporting agency must conduct a reasonable investigation within 30 days. 
I demand verification of the account balance, ownership, and any supporting documents proving this debt is mine, and that the balance is accurate. 
If XXXX or any related parties can not validate this debt, the account must be removed from my credit report immediately. 
XXXX. Demand for Immediate Correction and Deletion Under the FCRA and FDCPA, I demand : Immediate correction of all inaccurate and inconsistent addresses linked to my credit file. 
Removal of the XXXX charge-off account if it can not be fully validated. 
Confirmation in writing of the corrections made to my credit report.

Assurance that these errors will not recur. Failure to comply with these laws will result in further legal action including complaints to the Consumer Financial Protection Bureau ( CFPB ), state Attorney General, and potential civil claims for violations of my consumer rights. 
Please treat this complaint seriously and respond within 30 days, as mandated by federal law. 
Thank you for your immediate attention.

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