Consumer complaint received 2025-10-30 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 because multiple items appearing on my credit reports are false, inaccurate, and unverifiable. These include incorrect addresses, accounts with false late payment or charge-off status, and an unauthorized hard inquiry. I have already submitted disputes to the credit bureaus but have not received any valid proof or correction. I am requesting the CFPB to conduct an investigation into these violations and hold the reporting agencies and furnishers accountable for the harm caused to my credit reputation and financial stability. 
WRONG ADDRESSES ( UNVERIFIED/ NOT ASSOCIATED WITH ME ) : XXXX XXXX XXXX XXXX XXXXXXXX This address is completely inaccurate and I have never lived, worked, or received mail there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is entirely false and should be permanently deleted from my report. 
These addresses being reported without verification are a direct violation of FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. The presence of these false addresses suggests either a data mismatch or identity theft concerns. Please remove them immediately and confirm correction in writing. 
ACCOUNTS IN DISPUTE ( UNVERIFIABLE / INACCURATE REPORTING ) : XXXX XXXX Acct : XXXX * | Date Opened : XX/XX/XXXX | Balance Owed : {$710000.00} | Late Payment This account is inaccurately reported as having late payments. I have never been late on any mortgage payment with this lender, and the record showing delinquency is false. Under FCRA 611 ( a ), you are required to verify all reported payment histories with actual evidence from the furnisher. If the creditor can not provide proof of late payment, you must immediately correct the account to show Pays as Agreed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this account. I never opened, authorized, or maintained any account with this creditor. This appears to be a fraudulent or erroneous entry. Reporting a charge-off without verifiable consent or contract violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). I demand this account be deleted in full from my credit report immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account shows false delinquency reporting. I always maintained my payments on time. No documentation has ever been provided to me proving any late payment record. I demand that this account be updated to show never late and Pays as Agreed. Failure to do so constitutes a violation under FCRA 611 and FCRA 616 for willful negligence. 
XXXX XXXX Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off This account is not recognized, and I have no knowledge or record of any account with this creditor. I never signed or consented to any agreement authorizing this account. Reporting a false charge-off damages my credit standing and violates the FCRA 605 and FDCPA 807 ( 8 ). Please delete this entry immediately from my report.

VIOLATIONS COMMITTED FCRA 607 ( b ) : Failure to maintain maximum accuracy of information ( wrong addresses and false accounts ).

FCRA 611 ( a ) : Failure to reinvestigate or verify disputed data within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate.

FDCPA 807 ( 8 ) : Misrepresenting false information in a consumer credit report.

FCRA 604 ( a ) ( 2 ) : Obtaining consumer report without authorization ( unauthorized inquiry ).

RELIEF REQUESTED I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : 1. Investigate each of the above accounts, addresses, and inquiries.

2. Require all credit bureaus and furnishers to delete or correct all unverifiable or inaccurate information.

3. Ensure compliance with the FCRA and FDCPA to prevent further harm to my credit profile.

4. Provide a written confirmation from all reporting parties once corrections or deletions are made.

These false entries have caused me severe distress, loss of credit opportunities, and emotional hardship. I request immediate intervention by the CFPB to enforce compliance and restore the integrity of my credit profile.

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