Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, Equifax, and TransUnion Subject : DISPUTE REPORT FOR INACCURATE INFORMATION AND FALSE DATA ENTRY Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and unverifiable information on my credit report. The inaccurate reporting has negatively affected my creditworthiness and caused unnecessary denials when applying for credit. This dispute includes incorrect personal information, false addresses, inaccurate account reporting, and unlawful debt collection. I have also notarized an affidavit to document the false data, which will be used for litigation if my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws are not honored. 
Reason : My personal information is reporting inaccurate names that do not belong to me. My legal name is XXXX XXXX, and I should not have multiple names attached to my credit profile. 
Action : Remove all incorrect and duplicate names from my credit profile immediately. 
Violations : Reporting false identity information is a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). 
Incorrect Names to be Deleted : XXXX, XXXX XXXX, XXXX XXXX XXXX The following addresses are not mine, and I demand their immediate removal from my credit report. I have never resided at these locations, and they should not be linked to my credit profile. 
Reason : These addresses are false data entries and are affecting my credit applications. 
Action : Delete and detach all false addresses from my accounts. 
Violations : Reporting incorrect addresses violates 15 U.S.C. 1681s-2 ( a ) ( Duties of Furnishers to Provide Accurate Information ).

False Addresses to be Deleted : 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 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 XXXXXX/XX/XXXX ) Each of the following accounts contains reporting errors that violate federal regulations and require immediate deletion. 
Violations : 15 U.S.C. 1681c ( Outdated Adverse Information ) ; 15 U.S.C. 1666 ( Fair Credit Billing Act ) ; 18 U.S.C. 8 ( False Collections and Charge-Off Violations ) ; 15 U.S.C. 6802 ( Unauthorized Third-Party Data Sharing ).

Accounts in Dispute : 1. XXXX Issue : Incorrect 120-day late payment ; unverifiable payment history. 
Action : TERMINATE FROM REPORT. 
2. XXXX XXXX Issue : Inaccurate 30-day past due reporting ; billing error. 
Action : TERMINATE FROM REPORT. 
3. XXXX XXXX XXXX XXXX Issue : Unverifiable 60-day late payment ; false payment history. 
Action : TERMINATE FROM REPORT. 
4. XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Issue : False late payment entry ; requires correction. 
Action : TERMINATE FROM REPORT. 
5. XXXX Issue : Inaccurate 90-day past due reporting ; unverifiable delinquency data. 
Action : TERMINATE FROM REPORT. 
6. XXXX XXXX Issue : Violates IRS guidelines and consumer privacy. 
Action : TERMINATE FROM REPORT. 
7. XXXX XXXX XXXX ( Original Creditor : XXXX ) Issue : Identity theft, misleading debt reporting, and unfair debt collection practices. 
Action : TERMINATE FROM REPORT. 
8. XXXX XXXX XXXXXXXX Issue : False charge-off reporting ; violates IRS guidelines and consumer rights. 
Action : TERMINATE FROM REPORT. 
9. XXXX XXXX Issue : Unauthorized late payments ; cease and desist reporting. 
Action : TERMINATE FROM REPORT. 
Pursuant to FCRA 611, I hereby demand the immediate removal and correction of the above-referenced inaccurate information within five ( 5 ) business days. Failure to comply will result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, including statutory damages, punitive damages, and injunctive relief. I appreciate your prompt attention to this matter and expect written confirmation once my credit report has been updated accordingly. Sincerely XXXX XXXX

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