Consumer complaint received 2025-05-31 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:
I am writing to formally dispute multiple inaccuracies and unauthorized entries on my credit report, which have adversely affected my financial standing. Despite my efforts to rectify these issues, they persist, necessitating regulatory intervention. 
1. Inaccurate Personal Addresses : My credit report lists several addresses that are incorrect and do not pertain to me : XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX These inaccuracies suggest potential identity theft or misreporting by data furnishers. 
2. Disputed Accounts : The following accounts are inaccurately reported on my credit profile : XXXX XXXXXXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported. 
Concern : I have no recollection of this account, and no validation has been provided upon request. 
Applicable Law : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) prohibits reporting information with actual knowledge of errors. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Issue : Late payment reported. 
Concern : I dispute the accuracy of this account and have received no validation. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported. 
Concern : This account is unfamiliar to me, and I have not received validation. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged off. 
Concern : I have no knowledge of this account, and no validation has been provided.

Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off. 
Concern : This account is not recognized, and validation has not been furnished. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off. 
Concern : I dispute the validity of this account and have not received adequate validation.

Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late payment reported. 
Concern : I believe this account is inaccurately reported and have not received validation. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment reported. 
Concern : This account is unfamiliar, and no validation has been provided. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX Issue : Late payment reported. 
Concern : I dispute the accuracy of this account and have not received validation. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ). 
3. Unauthorized Credit Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent and have negatively impacted my credit score.

4. Personal Impact : The inaccuracies and unauthorized activities on my credit report have caused significant distress, including : Denial of credit applications. 
Higher interest rates on approved credit. 
Emotional distress due to the ongoing issues. 
5. Requested Resolution : I respectfully request the following actions : Immediate removal of the incorrect addresses from my credit report. 
Deletion of all disputed accounts listed above due to lack of validation and potential identity theft. 
Removal of unauthorized hard inquiries. 
A thorough investigation into the reporting practices of the furnishers involved. 
I have attached copies of my credit reports highlighting the disputed information. I am prepared to provide additional documentation upon request. 
Thank you for your prompt 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