Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
Equifax , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related regulations. I request that the erroneous entries be permanently removed within five ( 5 ) days as provided under the law. The entries I dispute are listed below : I am writing to formally dispute inaccurate address information on my credit report. The following addresses listed in my file are incorrect and should be removed from my credit report : XXXX. XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX, XXXX, AL XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX. XXXX XXXX XXXX, XXXX, AL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX These addresses are inaccurate because they do not belong to me. I am requesting that they be removed from my credit report immediately. 
Enclosed, I have included the following supporting documents to substantiate my dispute : A copy of my credit report with the disputed addresses highlighted. 
A copy of my identification and proof of my current address. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report accordingly. Please provide a written response within 30 days of receiving this letter.As you are aware the FCRA requires that credit reporting agencies ensur that all information they report is accurate, verifiable, and up -to-date ( 15 U.S.C Names removal from credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am providing Identification to prove my identity : Remove reporting of Public Record : XXXX Bankruptcy Identification proving my name XXXX XXXX XXXX As you are aware, the FCRA requires that credit reporting agencies ensure that all information they report is accurate, verifiable, and up-to-date ( 15 U.S.C. 1681e ( b ) ). Additionally, pursuant to 15 U.S.C. 1681i, credit reporting agencies must investigate disputes and correct or delete any information that is found to be inaccurate or can not be verified. The failure to perform these duties constitutes a violation of my consumer rights. 

Furthermore, as you are aware, both Equifax and Experian were involved in a recent lawsuit for mishandling consumer data and failing to comply with federal credit reporting laws. As a result, I demand that the inaccurate information be promptly and permanently removed from my credit report to ensure compliance with the requirements of the FCRA, especially after such failures have been publicly documented.

Please be advised that under the FCRA, the burden of proof lies with you, the credit reporting agency, to ensure the accuracy of any information reported. I request that you investigate this dispute thoroughly and take corrective action within the statutory period of five ( 5 ) days as stipulated by the law. Failure to do so will compel me to take further legal action to protect my rights.

Please confirm receipt of this letter and notify me in writing of your resolution and actions taken. I expect prompt and full compliance with the FCRA.

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