Consumer complaint received 2025-06-05 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 writing to formally file a complaint against multiple creditors, data furnishers, and credit reporting agencies for inaccurate, outdated, and unverifiable information currently being reported on my credit reports. These inaccuracies include incorrect addresses, accounts with charge-offs, inaccurate late payments, and failure to verify or correct disputed data all of which are in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. 
Despite multiple attempts to rectify these issues directly with the creditors and through disputes with the credit bureaus, the inaccuracies persist, damaging my creditworthiness and causing emotional and financial distress. 
Incorrect Addresses Reported ( FCRA 609 ( c ), 611 ) The following addresses are inaccurately reported on my credit profile and are not associated with me. Reporting these false addresses constitutes a violation of the FCRA : XXXX XXXX, XXXX, NJ XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX These entries may be a result of file mixing or identity errors. Under FCRA 604 and 611, I have the right to accurate and verified information. Failure to remove unverifiable addresses is a violation. 
Inaccurate Account Reporting ( FCRA 623, FDCPA 807 ) 1. XXXX | Acct # : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$690.00} Issue : Charged-off and reporting incorrect balance Violation : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate data 2. XXXX | Acct # : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Charged-off, but account was paid and settled Violation : FCRA 611 failure to properly investigate 3. XXXX XXXXXXXX XXXX XXXX XXXX | Acct # : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$0.00} Issue : Reporting a charge-off on a {$0.00} balance Violation : FCRA 623 and FDCPA 807 ( 2 ) ( A ) misrepresentation of amount owed 4. XXXX XXXX  | Acct # : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : Charged-off with inconsistent payment history reporting Violation : FCRA 623 ( a ) ( 5 ) failure to report correct date of delinquency 5. XXXX  XXXX | Acct # : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$310.00} Issue : Reporting late payments that I dispute Violation : FCRA 611 ( a ) inaccurate and unverifiable reporting 6. XXXX  XXXX XXXX  | Acct # : XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Balance : {$450.00} Issue : Charged-off without proper verification or notice Violation : FDCPA 809 failure to provide debt validation 7. XXXX XXXX | Acct # : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Balance : {$27000.00} Issue : Late payments reported during XXXX hardship Violation : FCRA 623 ( a ) ( 1 ) and CARES Act reporting guidance 8. XXXX  XXXX | Acct # : XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$300.00} Issue : Charged-off after dispute ; no verification provided Violation : FCRA 611 reinsertion without notice ; FDCPA 807 Legal Summary of Violations FCRA 602 & 623 Right to fair and accurate reporting ; data furnishers must report information accurately and correct errors.

FCRA 609 & 611 Right to dispute inaccurate info and obtain complete file.

FDCPA 807 & 809 Prohibits deceptive collection practices and mandates debt validation.

FCRA 605 ( a ) Prohibits inclusion of outdated negative information.

FCRA 604 & 610 Unauthorized use and retention of personal data including false addresses.

Resolution Requested I request the Consumer Financial Protection Bureau to : 1. Investigate these violations thoroughly.

2. Direct the above-mentioned creditors and credit bureaus to remove all incorrect information, including false addresses and unverifiable account data.

3. Require the furnishers to validate all reported debts per FCRA and FDCPA requirements.

4. Impose any appropriate penalties or sanctions for repeated or willful non-compliance.

I am attaching copies of relevant correspondence and my government-issued ID for identity confirmation.

Thank you for your attention to this matter and for helping ensure compliance with federal credit reporting laws.

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