Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
Dear CFPB, I am filing this complaint regarding multiple inaccurate, unverifiable, and unauthorized items on my credit report. These items violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ). The continued reporting of these items has caused significant harm to my credit score, financial opportunities, and personal well-being. I demand immediate investigation, validation, and deletion of all unverifiable or inaccurate items. 
Wrong Address Reporting ( Identity & FCRA Violation ) XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Wrong Address I have never lived at this address. Allowing this false information to remain is reckless. Under FCRA 611 ( a ), disputed information must be verified or removed. Story : XXXX XXXX is not a city where I ever resided or worked. Having this address tied to my profile is extremely concerning because it shows potential mixed file or identity theft. This creates long-term financial damage and unnecessary investigations every time I apply for credit or employment. 
XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address This incorrect address being reported suggests a possible case of mixed file or identity theft. It is unlawful under FCRA 605B for credit bureaus to knowingly continue reporting fraudulent or inaccurate information once disputed. Story : This XXXX address has no relation to me, yet it has been attached to my report for months. Each time I apply for housing or auto financing, creditors bring this up, questioning why so many suspicious addresses appear. This constant harassment and doubt is deeply unfair and damaging. 
Account Issues ( Charge Offs and Inaccuracies ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Charge Off This account is being inaccurately reported as a charge off. The reporting lacks full documentation of original signed contract, payment history validation, and chain of custody of the account. Under FCRA 609 ( a ) ( 1 ), I am entitled to original documentation to verify this account. Failure to provide such is grounds for deletion. Story : This account is over XXXX XXXX XXXX and has long exceeded the reasonable statute of limitations in my state. Yet it continues to reappear as a charge off, unfairly harming my score. I have repeatedly requested validation and none has been given. This makes it impossible for me to qualify for fair credit rates, and it has even affected my ability to refinance my vehicle loan. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Charge Off This account is also being reported as a charge off without proper verification. According to FCRA 611 and FDCPA 807 ( 8 ), debt collectors and furnishers may not report information they know to be false or unverifiable. Story : This account is from XXXX, and I no longer have any records or statements on it. If the furnisher can not provide original signed contracts and full history, it should not remain on my report. Having this old, unverifiable charge off makes me look like a high-risk borrower even though I have worked hard to rebuild my credit. This is blocking me from mortgage pre-approvals and better loan opportunities. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2000.00} Charge Off This account is not properly validated and continues to appear with negative reporting. Without furnishing original signed agreements, full payment history, and proper validation, this reporting is illegal. FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information only. Story : XXXXXXXX XXXX  has refused to provide full validation. I was never given a breakdown of charges, late fees, or even proof that the balance is accurate. This shows they are reporting incomplete and inaccurate information. This charge off has followed me for years, hurting every attempt I make to secure credit for basic needs like auto loans and credit cards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$400.00} Charge Off This charge off is being reported in error and without proper investigation. FCRA 611 ( b ) requires reinvestigation of disputed items. Story : This XXXX account was closed years ago and should not still be appearing as a charge off. The balance reported is inaccurate and no original contract or signed application has ever been produced. I am being punished for an account that is not even validated. Because of this small {$400.00} account, my creditworthiness has been destroyed in situations where lenders look at charge offs more harshly than collections. This false report is completely unfair and unlawful. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Charge Off * * This account is reported as a charge off without any supporting documents such as contract, billing statements, or payment breakdown. Under FCRA 609 ( a ) ( 1 ), the furnisher must produce the original contract. Story : I never received validation for this account. Even though the amount is small, the negative charge off is destroying my credit score. Lenders treat all charge offs the same, regardless of balance, which makes me look like a high-risk borrower. Because of this, I have been denied even small credit card applications and have faced embarrassing rejections at banks when applying for overdraft protection. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Charge Off * * This XXXX account is inaccurately reported. No signed contract or detailed records have been provided. FCRA 611 requires reinvestigation, but I was given a generic verified result without evidence. Story : I tried to resolve this directly with the bank, but they never gave me real proof. This account was reported as a charge off too quickly and unfairly. As a result, my creditworthiness has been destroyed when applying for retail and department store credit lines. Employers also check my report and this false entry has already impacted my job opportunities. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$4800.00} Charge Off * * This is one of the most harmful accounts being reported as a charge off. The balance shown is not consistent across bureaus, which proves inaccuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure accuracy. Story : XXXX has never shown me the full account breakdown. I have requested validation multiple times, but only received generic responses. This charge off, being nearly {$5000.00}, has blocked me from housing approvals and auto loan financing. Landlords have openly told me that this XXXX account made them deny my rental applications. This is causing serious hardship and emotional stress. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Charge Off * * This account is another inaccurate Affirm charge off. The reporting is damaging because it appears as though I have multiple defaults with the same company. Story : I never saw a valid signed agreement or accurate statements for this account. Affirms reporting practices are misleading, and they have duplicated negative entries under different account numbers. This makes me look like a repeat offender and completely destroys my credibility with lenders. I have been working hard to rebuild my credit, but this single companys multiple errors are sabotaging my financial recovery. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} Charge Off * * Even though the balance is very small, this charge off is extremely damaging. FCRA 611 ( b ) requires that disputed information be properly investigated, which has not been done. Story : I never received contract copies or a breakdown of how the {$240.00} balance turned into a charge off. It is unreasonable to punish me for a small disputed balance in a way that has the same weight as a {$10000.00} charge off. This single item has made creditors treat me as a delinquent borrower, even though the amount itself is insignificant and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX High Credit : {$320.00} Charge Off * * This account is unverifiable and still being reported. Story : The reporting is misleading because XXXX accounts appear multiple times under different account numbers, which exaggerates the damage to my credit. Instead of showing XXXX issue, the credit bureaus are displaying XXXX or XXXX different charge offs, all from XXXX. This creates a false narrative that I am repeatedly defaulting, which is completely untrue. Because of this false reporting, I was recently denied financing for essential household appliances, forcing me into high-cost alternatives. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$610.00} Charge Off * * This XXXX XXXXXXXX XXXX account is reported as a charge off without validation. FCRA 609 requires proof of contract and history. Story : I never received a proper validation letter from the furnisher. The account was charged off unusually quickly, suggesting either an error or unfair reporting practices. This false negative item has damaged my credit score significantly. I have faced embarrassment when trying to open a simple checking account because the bank flagged me as high risk after seeing this charge off. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$740.00} Charge Off * * This XXXX XXXX charge off is XXXX of the most harmful items because it comes from a major bank. Lenders view this as a serious risk. Story : I disputed this account and requested full documentation, but XXXX XXXX never produced original signed agreements or chain of title. The account is unverifiable, yet it remains on my report. Because of this false negative, I was denied a mortgage pre-approval. The impact is not just financial but also emotional, as I can not move forward with buying a home due to inaccurate reporting. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$1300.00} | Charge Off * * This account is a duplicate entry, appearing twice on my credit report. Reporting duplicates inflates my alleged delinquency unfairly and violates FCRA 607 ( b ). Story : The same account is listed twice, making it appear that I have multiple defaults when it is only one. This has directly lowered my credit score, caused multiple loan rejections, and created unnecessary stress. The duplicity shows gross negligence by the furnisher and credit bureau. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$1300.00} | Charge Off * * This is the duplicate of the above account. Story : Having this account listed twice exaggerates negative reporting and misrepresents my financial behavior. I never authorized multiple listings, and no validation was ever provided. This has harmed my ability to secure even small personal loans, as lenders perceive multiple charge-offs. Immediate removal is required. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$710.00} | Charge Off * * This account is reported as a charge-off but lacks proper validation and proof of original contract. Under FCRA 609 ( a ) ( 1 ), I am entitled to original documents. Story : Despite multiple disputes, XXXX XXXX has not supplied signed agreements or payment history. This false reporting has affected my mortgage pre-approvals and access to affordable credit. It creates a false impression of irresponsibility, causing financial and emotional damage. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$630.00} | Charge Off * * This account lacks proper documentation. Story : The creditor has not provided signed agreements or account history. Reporting this as a charge-off without validation is a violation of FCRA 611 ( a ) ( 1 ) and shows reckless disregard for accuracy. This false reporting has impacted my credit score, leading to higher interest rates and denied applications. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$640.00} | Charge Off * * This account is inaccurately reported. Story : The furnisher has failed to validate the debt or produce original documentation. This misleading reporting portrays me as a delinquent borrower. I was denied financing for essential household needs because lenders interpreted this charge-off as proof of irresponsible behavior. It is damaging and unnecessary. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$510.00} | Charge Off * * This account is reported without proper validation. Story : XXXX has not provided original contracts or statements. Reporting unverifiable accounts violates FCRA 623 ( b ) ( 1 ). The accounts presence has damaged my credit score, blocked me from fair financing, and caused repeated stress and embarrassment. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$290.00} | Charge Off * * This account is being reported without proper validation. Story : I never received a signed contract, billing statements, or account history. Reporting this small balance as a charge-off portrays me as financially irresponsible. Lenders have denied me credit because of this unverifiable entry. The stress of being falsely reported has affected my ability to manage finances responsibly. The continued reporting violates FCRA 609 ( a ) ( 1 ) and 611. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$180.00} | Charge Off * * This account is also unverified and inaccurately reported. Story : XXXX has failed to provide original documentation despite multiple disputes. Multiple small charge-offs from the same company create a false narrative of repeated defaults. As a result, my creditworthiness is misrepresented, lenders view me as high-risk, and I have been denied low-limit loans and retail credit cards. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$570.00} | Charge Off * * This account is inaccurate and unverifiable. Story : XXXX has not provided any proof of account ownership, payment history, or signed agreements. The accounts presence has lowered my credit score, blocked approval for retail and personal loans, and caused undue stress. Reporting unverifiable accounts violates FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$660.00} | Charge Off * * This account is reported without documentation. Story : XXXXXXXX XXXX has not validated the debt or shown signed agreements. The false reporting misleads lenders into believing I am delinquent, resulting in higher interest rates and repeated credit denials. This violates FCRA 623 ( a ) ( 1 ) ( A ) and constitutes reckless reporting. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$430.00} | Charge Off * * This account is unverified. Story : XXXX XXXX has failed to produce original contracts or payment history. The charge-off is reported without verification, misrepresenting my financial responsibility. Because of this, lenders have rejected my loan applications, and I have been forced into high-cost alternatives for necessary credit. This violates FCRA 611. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$540.00} | Charge Off * * This account is inaccurately reported and unverified. Story : XXXX XXXX has not supplied documentation to validate this debt. Reporting this account as a charge-off is misleading and harmful. The repeated appearance of unverified accounts on my credit report creates a false impression of financial irresponsibility and has prevented me from accessing credit that I rightfully deserve. This violates FCRA 623 ( b ) ( 1 ) .\ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$120.00} | Charge Off * * This account is reported as a charge-off but lacks proper verification. Story : I never received signed agreements, billing statements, or account validation. The small balance has been reported disproportionately as a charge-off, negatively affecting my credit score and misrepresenting my financial responsibility. Lenders have denied credit applications based on this unverifiable information. This violates FCRA 609 ( a ) ( 1 ) and 611. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$460.00} | Charge Off * * This account is inaccurately reported. Story : XXXX has not provided any documentation validating this debt. Reporting an unverifiable charge-off violates FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ). The negative reporting has harmed my creditworthiness, caused denial of loans, and created undue stress. The account must be immediately deleted until validation is provided. 
XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX | Inquiry Only * * I dispute this hard inquiry as unauthorized. Story : I did not apply for credit with XXXX XXXX. FCRA 604 ( a ) ( 3 ) requires that inquiries be authorized by the consumer. This unauthorized inquiry is harming my credit score and must be removed immediately. 
XXXX XXXX Date of Inquiry : XX/XX/XXXX | Inquiry Only * * This hard inquiry is unauthorized. Story : I never authorized XXXX XXXX to pull my credit. FCRA 604 ( a ) ( 3 ) protects consumers from unauthorized credit checks. The reporting of this inquiry is illegal and damaging. I request immediate removal from my credit file. 
XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX | Inquiry Only * * This hard inquiry is not authorized. Story : I did not apply for credit with XXXX XXXX XXXXXXXX at this date. Unauthorized inquiries negatively affect my credit score, misrepresent my credit behavior, and violate FCRA 604 ( a ) ( 3 ). Immediate deletion is requested.

Conclusion : All of the above items wrong addresses, unverifiable charge-offs, duplicate entries, and unauthorized inquiries are inaccurate, misleading, and harmful. Their continued reporting misrepresents my financial history, lowers my credit score, and denies me access to fair credit. Under FCRA 607 ( b ), 609 ( a ), 611, 623, I demand immediate reinvestigation, verification, and permanent deletion of all unverifiable or unauthorized items.

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