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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXX, related to the reporting of inaccurate personal information and account data on my credit reports. 
Despite my previous attempts to correct these issues with the relevant credit reporting agencies and furnishers, the inaccurate data remains uncorrected, constituting ongoing harm to my credit standing and financial reputation. 
Section 1 : Inaccurate and Fraudulent Address Reporting The following addresses are incorrect, unverifiable, or do not belong to me. Their presence on my credit report is misleading and violates my rights under : FCRA XXXXe ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual... 
Disputed Addresses : 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 addresses have never been associated with my identity or legal residence, and I request that they be permanently removed from all reports.

Section 2 : Inaccurate Account Reporting & FCRA Violations The following accounts are either reporting late payments, charge-offs, or derogatory items that are incorrect, unverifiable, or being mishandled under the law. 
I demand these accounts be investigated and corrected or removed, per : FCRA XXXX ( a ) If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer... the agency shall reinvestigate... 
FCRA XXXX ( b ) Furnishers of information are required to conduct an investigation upon notice of dispute. 
Disputed Accounts and Issues : XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Balance Owed : {$230000.00} o Issue : Reports late payments which I dispute as inaccurate. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$830.00} o Issue : Charged-off account being reported inaccurately ; not verified with proper documentation. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$370.00} o Issue : Late payments reported, though they were either made on time or the dates are incorrect. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  o Date Opened : XX/XX/XXXX o High Balance : {$3700.00} o Issue : Inaccurate late payments being reported. 
XXXXXXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Reporting contains errors and lacks proper validation ; unclear status. 
Requested Action Under my rights granted by the FCRA, I respectfully demand the following : 1. Immediate reinvestigation of the above-referenced accounts.

2. Permanent deletion of all inaccurately reported addresses. 
3. Written results of each reinvestigation.

4. Updated credit reports reflecting only accurate, verified, and legally reportable information. 
Failure to comply may result in further legal actions and formal complaints to the Federal Trade Commission ( FTC ) and possible civil action under FCRA XXXX and XXXX for willful and negligent noncompliance.

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