Consumer complaint received 2025-10-07 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 filing this complaint to formally request your assistance in investigating multiple false and damaging entries on my credit report. The information being reported about me is inaccurate, unverifiable, and appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These false reports have severely impacted my credit standing, caused emotional distress, and hindered my ability to secure housing and financial stability. 
Wrong Addresses Reported ( XXXX & XXXX XXXX ) : XXXX. XXXX XXXX XXXX, XXXX, NJ, XXXX WRONG ADDRESS These addresses do not belong to me, nor have I ever resided, worked, or been associated with them. Reporting inaccurate personal identifying information is a violation of FCRA 604 ( a ) ( 2 ) and FCRA 607 ( b ), which require credit reporting agencies and furnishers to maintain maximum possible accuracy of information. The inclusion of these addresses creates confusion and a potential for identity misrepresentation. I am demanding that these false addresses be permanently deleted from all three credit reports ( Experian, XXXX XXXX XXXX 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$320.00} | Issue : Charge Off I have no knowledge of this account. I never opened, authorized, or signed for any credit with XXXX XXXX. This is a clear violation of FCRA 611 ( procedure for disputed accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate or unverifiable information. Before placing such a charge-off, the furnisher must maintain complete documentation proving account ownership, contractual agreement, and payment history. No such proof has been provided to me. If the furnisher can not validate this account under 15 U.S.C. 1681i ( a ) ( 1 ), it must be permanently deleted. Reporting a false charge-off has harmed my credit standing and caused significant reputational damage. I demand immediate deletion of this account from all reporting agencies. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$300.00} | Issue : Charge Off This account is also being falsely reported as a charge-off. I have never had any delinquent or charged-off status with XXXX XXXX, nor was I ever notified about such a negative status in compliance with FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( a ). Any legitimate debt must be verified with full documentation, including the original signed agreement and an accurate accounting of the alleged balance. Failure to provide such validation constitutes a direct violation of FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) ( prohibition against false credit reporting ). Until such documentation is produced, this negative account must be deleted immediately. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} | Issue : Charge Off I have no knowledge of this account. I never opened, authorized, or signed for any account with XXXX XXXX XXXX XXXX Reporting a charge-off without proof of a valid contract or payment history violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) which require maximum possible accuracy. Additionally, it is unlawful under FDCPA 807 ( 8 ) to falsely represent the character, amount, or legal status of any debt. The balance and high credit amount shown are contradictory and misleading, showing a charge-off with XXXX balance. If the furnisher can not produce full validation under XXXX XXXX. XXXX ( a ) ( XXXX ), this account must be permanently deleted. 

XXXX XXXX XXXX Docket Identifier : XXXX | Date Filed : XX/XX/XXXX | Issue : Bankruptcy XXXX XXXX XXXX XXXXocket Identifier : XXXX | Date Filed : XX/XX/XXXX | Issue : Bankruptcy These multiple bankruptcy filings are completely false and inaccurate. I have never filed for any bankruptcy, nor have I ever appeared before any federal bankruptcy court. Reporting multiple false XXXX  XXXX bankruptcies is a severe violation of FCRA 605 ( a ) ( 1 ) ( which governs bankruptcy reporting ), FCRA 607 ( b ) ( accuracy requirement ), and FCRA 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing inaccurate information ). Such reporting constitutes defamation of character, creates a false public record, and directly impacts my credibility, ability to obtain credit, and overall financial standing. The credit reporting agencies are responsible for verifying bankruptcy data with the official PACER database or federal court dockets, and it is evident that this verification did not occur. I demand immediate deletion of all the above bankruptcy entries from my report as they are fraudulent and unverifiable.

Requested Resolution : 1. Immediate deletion of all the false accounts and bankruptcies listed above from my credit report.

2. A complete reinvestigation into the source of these inaccuracies, including verification with court databases for bankruptcy claims.

3. Confirmation in writing that these items have been removed and that all credit reporting agencies ( Experian, XXXX XXXX  ) have updated my records accordingly. 
XXXX. Corrective measures and sanctions against the furnishers or reporting agencies responsible for these violations.

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