Consumer complaint received 2025-11-06 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 writing to file a formal complaint regarding multiple serious inaccuracies appearing on my credit reports with the XXXX XXXX XXXX XXXX. These errors are causing significant and unjustified harm to my credit standing and personal reputation. 

XXXX. Incorrect Addresses Reported The following addresses are being reported under my name, but I have no connection or association with them whatsoever : XXXX XXXX XXXX, XXXX, NJ XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Wrong Address These addresses are completely unfamiliar to me, and their inclusion on my report raises strong concerns about potential identity misuse or reporting errors. 

XXXX. Fraudulent or Unrecognized Charge-Off Accounts The following accounts are being reported as charge-offs, yet I have no knowledge of or connection to any of them : XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX XXXX CARD XXXXXXXX XXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} | Date Opened : XX/XX/XXXX XXXX CARD XXXX XXXX XXXX High Balance : {$4500.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$990.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$6500.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX High Balance : {$920.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX High Balance : {$270.00} | Date Opened : XX/XX/XXXX These accounts are being falsely attributed to me. I have no contractual relationship, no recollection, and no authorization of these accounts. Reporting these as charge-offs is a severe violation of the Fair Credit Reporting Act ( FCRA ), as they represent inaccurate and unverifiable information. I request that CFPB take immediate steps to ensure these accounts are thoroughly investigated and deleted from my credit reports. 

XXXX. Inaccurate Late Payment Reporting XXXX  XXXX Fin XXXXXXXX XXXX XXXX XXXX High Balance : {$32000.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments, which is completely inaccurate. I have never made any late payments on this account, and the reporting is false. Under the FCRA, all data furnished to consumer reporting agencies must be accurate and complete. I request immediate correction of this erroneous payment history. 

XXXX. Recent Inquiries ( Potentially Unauthorized ) The following inquiries appear on my report and need to be reviewed for validity : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX ( listed twice ) XXXX XXXX / XXXX XXXX XX/XX/XXXX I am uncertain about the legitimacy of these inquiries and request verification of proper authorization under FCRA XXXX. 

Requested Action I am requesting that CFPB : Investigate and remove all unrecognized charge-off accounts listed above. 

Delete all wrong addresses reported under my file. 

Correct the inaccurate late payment information reported by XXXX XXXX XXXX. 

Verify and remove any unauthorized inquiries that were not initiated by me. 

I have already contacted the credit bureaus and relevant furnishers, but these issues persist. I am now escalating this complaint to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that this matter be fully investigated and resolved promptly, as these inaccuracies have caused me financial and emotional distress. 

Thank you for your attention to this serious matter. I request written confirmation of receipt and updates regarding the progress of this investigation.

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