Consumer complaint received 2025-12-04 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:
To Whom It May Concern Consumer Financial Protection Bureau My credit file is being reported with false and unverifiable information in violation of FCRA 602 ( A ), 607 ( B ), and 611. Wrong addresses and an unauthorized inquiry are attached to my report even though I have no connection to them. These errors are causing harm, confusion, and mixed-file issues, and the bureau has not corrected them despite disputes. I am requesting full correction and deletion through this CFPB complaint.

ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX This address has never belonged to me and has no connection to my identity. Reporting a wrong address violates FCRA 604 and 607 ( B ) because it is unverified and misleading. This must be removed immediately. 

XXXX XXXX XXXX, XXXX, NJ XXXX I have never lived at this address. Keeping an inaccurate personal identifier violates FCRA 609 and 611 because you must maintain only true and verified information. This must be deleted. 

ACCOUNTS XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  High Credit {$500.00} Late Payment The late payment reporting is inaccurate because I have never submitted a late payment. Under FCRA 607 ( B ) payment history must be accurate and under 611 unverifiable data must be corrected or deleted. Please update this account to show on-time history. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$200.00} Late Payment The late payment is wrong because I have never been late on this account. This violates FCRA 607 ( B ) which requires accuracy in reporting. This must be corrected immediately. 

XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never made a late payment on this account. Reporting inaccurate payment history violates FCRA 607 ( B ) and you must correct this information under FCRA 611. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment is incorrect. I have never missed a payment and this violates FCRA 607 ( B ). Under FCRA 611 this must be corrected to show on-time payment history. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This late payment is inaccurate because I have never been late. Under FCRA 607 ( B ) and 611 payment history must be corrected immediately. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$600.00} Charge Off I have no knowledge of this account. Under FCRA 602 ( A ), 609, and 611 unverifiable accounts must be deleted because no documentation exists connecting this account to me. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment reporting is wrong because I have never paid late. Under FCRA 607 ( B ) and 611 this must be corrected to show accurate on-time payment history. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX High Balance {$1300.00} Collection I have no knowledge of this collection account. Under FCRA 609 and 611 you must produce actual documentation proving this account belongs to me or delete it immediately. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$880.00} Charge Off I do not recognize this account and never opened it. Under FCRA 609 and 611 unverifiable accounts must be deleted because they can not be tied to my identity. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$82.00} Charge Off I have no knowledge of this account. Under FCRA 602 ( A ), 609, and 611 you must verify with actual documentation or remove this charge-off. 

XXXX XXXX Open Date XX/XX/XXXX Balance {$1000.00} Charge Off This account is not mine. Under FCRA 609 and 611 you must provide proper verification or delete it because no link exists between me and this account. 

INQUIRY 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604 ( a ) ( 2 ) a company must have a permissible purpose before pulling my credit and none of these businesses had permission. These inquiries must be removed because they violate FCRA 604 and continue to damage my file. 

These items are inaccurate and unverified and must be removed immediately. Under FCRA 602 ( A ) and 611, I am requesting that the CFPB enforce correction and deletion of all wrong addresses and the unauthorized inquiry listed above.

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