Consumer complaint received 2025-11-04 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:
This complaint is being filed against the credit reporting agencies and certain data furnishers for reporting inaccurate, unverified, and fraudulent information on my credit report. The listed addresses and accounts below have no connection to me and have been falsely and negligently reported, violating my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX ( b ), XXXX, and XXXX, as well as the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) where applicable. These errors have caused significant emotional distress, loss of credit opportunities, and misrepresentation of my identity. 

THE FOLLOWING ITEMS ARE BEING DISPUTED AS INACCURATE OR FRAUDULENT : Wrong Addresses Reported : XXXX XXXX XXXX XXXX, PA XXXX This address was never mine, and its inclusion violates FCRA accuracy XXXX. 

XXXX XXXX XXXX # XXXX XXXX, NY XXXX I have no knowledge or history tied to this property. Its listing on my report is fraudulent. 

Account Errors and Disputes : XXXX XXXX BANK XXXX XXXX Acct : XXXXXXXX XXXX ) * * Date Opened : XX/XX/XXXX | Balance : {$4900.00} | Status : Charge Off I dispute this account in its entirety. I have no recollection, knowledge, or record of authorizing or opening this account with XXXX XXXX or any affiliate. I demand full validation under FCRA XXXX ( a ) ( XXXX ) ( A ) and FACTA XXXX. If the furnisher can not produce original documentation bearing my authentic signature, this entry must be deleted immediately. The continued reporting of this unverified charge-off is unlawful and defamatory. 
DEPT OF EDUCATIONXXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  ) * * Date Opened : XX/XX/XXXX | Balance : {$230.00} | Status : Late Payment I am disputing the reported late payment status as it is completely inaccurate. I have maintained timely payments and never fell behind on this account. Reporting a late payment that never occurred violates FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ). I request immediate correction of this error and an update to reflect accurate on-time payment history. 

Unverified Hard Inquiries : XXXX CARD Dated : XX/XX/XXXX Unauthorized inquiry ; I never gave consent or application approval to XXXX XXXX. 

Narrative and Impact : The ongoing inclusion of these false addresses, unauthorized accounts, and inquiries has caused me serious financial harm and emotional stress. My credit reputation has been unfairly damaged, Ive been denied credit approvals, and Ive had to spend extensive time and effort disputing information that should never have been reported in the first place. Despite sending written disputes to the credit bureaus and furnishers, I have received either generic responses or no resolution at all. This conduct represents willful noncompliance with the FCRA under XXXX and XXXX. 
I am requesting that the CFPB investigate these violations, require the credit bureaus and furnishers to : XXXX. Permanently delete the false addresses. 
XXXX. Remove or correct the unverified and inaccurate accounts. 
XXXX. Delete unauthorized hard inquiries. 
XXXX. Ensure compliance with all applicable FCRA and FDCPA provisions.

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