Consumer complaint received 2025-06-07 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: AZ

Complaint narrative:
I am writing to formally dispute and file a complaint regarding multiple inaccuracies and unlawful reporting on my credit report by various creditors and collection agencies. These errors have caused significant damage to my creditworthiness, financial reputation, and overall wellbeing.

Below is a detailed account of the violations I have identified, including incorrect addresses, late payments, and collections that are inaccurately reported or unverifiable. I request immediate investigation, correction, and removal of these inaccuracies in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 
Incorrect Address Reporting The following addresses have been erroneously reported on my credit file, none of which correspond to my actual residences or mailing addresses : XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute and have inaccurate personal information corrected or removed. These false addresses are misleading, create confusion about my identity, and violate my right to accurate credit reporting.

Accounts with Inaccurate Reporting and Violations 1. XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Multiple late payments reported that are inaccurate and unsupported by account statements. This constitutes a violation of FCRA Section 611 ( a ) requiring accurate and complete reporting of credit history. Additionally, these erroneous late payments are damaging my credit score unfairly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$52000.00} Issue : Late payments are inaccurately reported. Under FCRA Section XXXX ( a ), furnishers are required to ensure data they report is accurate and complete. I demand verification and removal of any false delinquencies. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$38000.00} Issue : Reporting of late payments without proper validation violates my rights under FCRA Section 1681s-2 ( b ). I request a full investigation and correction of this misinformation. 
XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$280.00} Issue : This account is listed as a collection. I dispute the validity of this debt and the reporting of this account. Under the FDCPA, debt collectors must provide verification of the debt upon dispute ( 15 U.S.C. 1692g ). I demand validation or immediate removal of this entry.

Summary and Demand The above-listed incorrect address data, inaccurate late payments, and questionable collection listings have resulted in unfair damage to my credit profile. This violates my rights under the FCRA to have accurate, fair, and verifiable information reported, and under the FDCPA to be protected from unfair debt collection practices. 
I hereby request : Immediate investigation of all disputed accounts and reporting errors.

Correction or deletion of any inaccurate or unverifiable information.

Written confirmation of the actions taken.

Assurance that no adverse action will be taken based on erroneous information during the investigation period.

If these violations are not rectified promptly, I will be compelled to pursue further legal action to enforce my rights under federal law. 
Thank you for your prompt attention to this serious matter.

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