Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because the credit bureaus are reporting multiple wrong addresses, wrong late payments, unauthorized inquiries, and an unverified charge-off on my credit profile. Under FCRA 602 ( A ), 604 ( a ) ( 2 ), 609 ( a ) ( 1 ), 611, 613, and 1681i, the bureaus must maintain 100 % accurate and fully verifiable information. I already disputed these items, but they continue to report incorrect and damaging data that does not belong to me.

WRONG ADDRESSES NOT MINE, NEVER LIVED THERE, NO RELATION XXXX XXXX XXXX, NJ XXXX Wrong Address Issue : I have NEVER lived here, used this address, received mail, or had any association with this location. No lease, no utility bills, no employment link. This is clearly a file merge error. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address Issue : I have never been connected to this property. Any address not fully verifiable must be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX  | High Balance : {$1300.00} | Date Opened : XX/XX/XXXXXXXX  | Reported Late Payment XXXX XXXX Issue : I NEVER submitted any late payment to this account. This reporting is inaccurate, misleading, and I demand full validation. If you can not provide timestamp records, payment logs, and billing statements, this must be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$6900.00} | Date Opened : XX/XX/XXXX | Reported Late Payment XXXX XXXX Issue : My payment history has always been consistent. There is no record of me missing payments. This looks like a systemic reporting error and must be fixed. 
XXXX XXXX XXXX XXXX XXXX | High Balance : {$810.00} | Date Opened : XX/XX/XXXXXXXX   | Reported Late Payment XXXX XXXX Issue : This late payment was never made by me. No verified records exist to support this claim. Remove or correct immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX | High Balance : {$650.00} | Date Opened : XX/XX/XXXXXXXX  | Reported Late Payment XXXX XXXX  Issue : This is a clear case of inaccurate and harmful reporting. I am requesting full proof of delinquency ; if unavailable, the late mark must be corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX Issue : Charge-off not mine/ not authorized / unverified. I have no knowledge of this account and demand full deletion if the furnisher can not provide complete documentation. 
UNAUTHORIZED HARD INQUIRIES NO PERMISSIBLE PURPOSE Under FCRA 604, NO COMPANY is allowed to pull my credit report without my written or electronic authorization. I did NOT authorize these inquiries, nor did I apply for credit with these entities on the dates shown. These inquiries are damaging my score and must be removed immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not apply for credit at this time. No authorization exists. 
XXXX XXXX XXXX XX/XX/XXXX Issue : No application submitted, no consent given. 
XXXX XXXX XXXX  Issue : Unauthorized and harmful. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No permissible purpose. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No legal purpose. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : XXXX authorization provided. 
SUMMARY OF VIOLATIONS FCRA Sections violated : 602 ( A ) Accuracy Requirement 604 ( a ) ( 2 ) Permissible Purpose for Inquiries 609 ( a ) ( 1 ) Right to Documentation 611 Reinvestigation Requirements 613 Mixed File 1681i Failure to Conduct Proper Investigation The bureaus failed to verify documents, continued to report wrong information, and refused to fix items even after disputes. This has caused damage to my credit score, financial stress, and denial of credit opportunities. 
REQUEST FOR CFPB ACTION I am asking CFPB to intervene and require the credit bureaus and furnishers to : 1. Remove all wrong addresses 2. Correct the late payment errors 3. Delete the unverified XXXX  charge-off 4. Remove all unauthorized inquiries 5. Provide proper documentation for all accounts 6. Ensure compliance with all FCRA regulations

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