Consumer complaint received 2025-10-30 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 to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by the credit bureaus and the furnishers of information listed below. My credit report contains several false charge-offs, wrong late payment records, and unauthorized credit inquiries that I never approved or authorized. These errors have caused serious harm to my credit reputation, financial stability, and peace of mind. 
Despite my previous attempts to contact the credit bureaus and request reinvestigation, these inaccurate entries remain. I believe these companies are in direct violation of FCRA Sections 602A, 604, 607 ( b ), 611, and 623 ( a ) and FDCPA Section 807 ( 8 ), for reporting and retaining false and unverified data. 
INCORRECT ADDRESSES ( VIOLATION OF 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX, NJ XXXX Wrong Address XXXX XXXX XXXX, NJ XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address These addresses are completely inaccurate and have never been associated with me. I have never lived, received mail, or conducted any credit-related activity from these locations. Their presence on my credit file indicates possible mixed-file error or identity contamination, which is a serious violation of FCRA 607 ( b ) for failure to maintain maximum possible accuracy. I am demanding immediate deletion of all these addresses from my credit report. 
ACCOUNT DISPUTES ( VIOLATION OF 15 U.S.C. 1681s-2, 1681i, and FDCPA 807 ( 8 ) ) XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Late Payment I dispute the late payment history reported on this account. I have never missed or made any late payments. The reporting is false, damaging, and unverified. I demand verification with original signed statements or immediate correction to reflect an on-time payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charge-Off I have no knowledge or record of this account. No such agreement, card, or signed document was ever issued to me. Reporting this as a charge-off without verifiable proof violates FCRA 611 ( a ) ( 1 ) ( A ). I demand deletion of this fraudulent entry. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1400.00} Charge-Off I dispute this account entirely. I never owned or opened any XXXX credit line. This appears to be identity misuse or file-mixing. I demand its immediate removal as required under FCRA 1681c-2. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment This account shows late payments that never occurred. I have consistently made timely payments and request full reinvestigation with supporting documentation from the furnisher. Under FCRA 609 ( a ), you must provide copies of any verified records used to report this. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Charge-Off I have never opened or used any XXXX XXXX account. This account is fraudulent and unverifiable. Reporting this item violates FCRA 607 ( b ) and FDCPA 807 ( 8 ). Delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off I have no association with this account, nor have I ever received billing or correspondence from XXXX XXXX XXXX XXXXXXXX XXXX This is an unauthorized and unverified account. Remove this record immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Charge-Off I dispute this entire account. I never had any XXXX XXXX contract with such balance or terms. If this is an error or a case of mistaken identity, it must be corrected immediately under 611 ( a ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off This account was never opened or authorized by me. I have no relationship with XXXX XXXX XXXXXXXX XXXX. Reporting such unverifiable debt constitutes false and defamatory reporting under FCRA 623 ( a ). 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off I am not aware of any account with XXXX  XXXX XXXX This is not mine and must be deleted. No contract, statement, or agreement exists linking me to this entry. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off I have no knowledge or relationship with this account. No agreement, contract, or record exists showing I authorized this account. This is false reporting and must be deleted immediately for lack of verification. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Charge-Off I completely dispute this account. I have never opened any auto account with XXXX XXXX or XXXX. There are no signed documents or valid records tying me to this debt. Continued reporting of this false item is a violation of FCRA 607 ( b ). 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off This account is not mine. I have never opened or authorized this XXXX account. It is either a mixed-file error or identity misuse. Delete immediately per FCRA 1681c-2. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported late payment is false. I have never made late payments or been delinquent with this company. This is a serious inaccuracy harming my credit standing. Please reinvestigate and correct this record to reflect paid on time or remove it entirely. 
UNAUTHORIZED HARD INQUIRIES ( VIOLATION OF FCRA 604 ( a ) LACK OF PERMISSIBLE PURPOSE ) Each of the following inquiries was made without my knowledge, consent, or written authorization. These unauthorized inquiries are damaging my credit score and privacy rights. Under FCRA 604 ( a ), no inquiry may be performed without a valid permissible purpose. Therefore, I demand immediate deletion of the following unauthorized inquiries : XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX entities had a permissible purpose or my written consent to access my credit file. Each of these inquiries must be deleted immediately from all credit bureau records. Continued display of these unauthorized inquiries will be treated as willful noncompliance under FCRA 616 and civil liability under 617. 
NATURE OF HARM AND REQUEST FOR RELIEF Because of these false charge-offs, inaccurate late payment reports, and unauthorized inquiries, my credit score has been damaged significantly. I have faced difficulties obtaining credit, housing, and financial opportunities. This has caused ongoing stress, anxiety, and financial loss.

I am requesting that the CFPB : 1. Conduct a full investigation into the reporting and inquiry practices of the above-listed companies.

2. Compel the credit bureaus ( Experian, XXXX, and XXXX  ) to remove all inaccurate and unverifiable data from my report. 
XXXX. Require these furnishers to provide original documentation ( signed contracts, payment histories, or authorization forms ). 
XXXX. Enforce corrective action and compliance with FCRA 611 ( a ) and 623 ( b ) for failure to maintain accuracy. 
I am providing this complaint in good faith under the consumer rights granted by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request the CFPBs assistance in ensuring that my credit report is corrected, cleaned, and accurately reflects only verified information. 
Thank you for your time, attention, and immediate assistance.

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