Consumer complaint received 2025-11-08 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 submitting this complaint regarding multiple inaccurate items being reported on my credit report by [ Credit Bureau Name ]. These accounts and addresses are completely unknown to me, and their reporting is causing substantial harm to my creditworthiness. Despite having no relationship or knowledge of these accounts, they are being reported as charge-offs and collections, and there are several false addresses listed. 
The address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX is being incorrectly reported on my credit file. I have never resided at this location, and its presence on my credit report is false and misleading. This inaccurate reporting negatively affects my creditworthiness and must be corrected without delay. 
The address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX is another false entry. I have never lived at this location, and it should not appear on my credit report. Continued reporting of this inaccurate address is a violation of FCRA, and I demand its removal. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, High Credit : {$3000.00} is being reported as a charge-off. I have no knowledge of this account, have never authorized any transactions with them, and dispute the validity of this debt. Reporting this charge-off falsely is harming my credit standing, and I insist on its immediate deletion from my credit report. 
The account XXXX XXXX XXXX, Open Date : XX/XX/XXXX, High Credit : {$0.00} is listed as a charge-off. I do not recognize this account, and I have no business relationship with this entity. This account is inaccurate, and I request its removal in accordance with my rights under FCRA. 
The collection XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, High Balance : {$1100.00} is inaccurately reported. I have no knowledge of this collection, have never received any notice regarding it, and dispute its validity. I insist that it be removed immediately, as its presence is unjustified and harmful to my credit record. 
The collection XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, High Balance : {$490.00} is falsely reported. I have never been associated with this account in any manner. This inaccurate reporting is damaging my credit history, and I request its immediate deletion. 
I request CFPBs intervention to ensure that these unknown accounts and inaccurate addresses are removed or corrected immediately. The continued reporting of these items is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing undue damage to my credit reputation. 
I have attached documentation proving my identity and current address to assist in this complaint. I request that CFPB investigate this matter and require the credit bureau and the reporting entities to delete or correct all inaccurate information promptly. 
Thank you for your immediate attention to this 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