Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because the credit bureaus and furnishers listed below have reported false, inaccurate, and unverified information on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, including 1681e ( b ) for accuracy requirements, 1681i for reinvestigation duties, and 604 ( a ) ( 2 ) regarding permissible purpose for credit pulls. 
I have attempted to dispute these inaccuracies with the credit bureaus but they continue to verify false entries without providing documentation. This is causing serious damage to my creditworthiness, financial opportunities, emotional distress, and ongoing harm. I am requesting the CFPB to investigate these companies and require immediate correction or deletion of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX WRONG ADDRESS This is a business/commercial address that has nothing to do with me. Reporting it is a major FCRA violation and must be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS I never lived here, never used it, and never authorized it. Remove this inaccuracy at once. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} LATE PAYMENT This late payment is completely false and inaccurate. I never paid late and there is no verified evidence proving I did. This is harming my payment history and violating FCRA 1681e ( b ). I demand correction to Paid As Agreed / Never Late, because the reporting is factually wrong and unverified. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$29.00} LATE PAYMENT I never made a late payment on this account. This is a factual inaccuracy that has caused damage to my score. Unless you can provide legally valid proof with timestamps and verified records, you must correct this reporting immediately. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} LATE PAYMENT This late payment is inaccurately reported. I always made payments on time and there is no proof showing otherwise. Under FCRA you can not report unverifiable information. Correct the pay history to reflect on-time payments. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT This is an incorrect late payment entry. The account was paid on time and your reporting is wrong. You must fix the payment history and remove the false delinquency. 
XXXX XXXX  Acct : XXXX * Date Opened : XX/XX/XXXX Balance : {$5500.00} LATE PAYMENT This late payment reporting is incorrect and unverified. I never missed a payment and demand that this false reporting be corrected immediately. 
XXXX XXXX  XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT This late payment is false, inaccurate, and unverified. I never paid late and there is no documentation to support this claim. You are reporting an incorrect derogatory history without proof. Under FCRA 1681e ( b ) and 1681i, any unverifiable or inaccurate information must be corrected or removed. I demand this payment history be updated to reflect Never Late/ Paid As Agreed. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} CHARGE OFF This account is being reported inaccurately. I do not recognize this amount, and no substantiated evidence has been provided to prove the validity of the alleged debt. Without original documentation, payment history records, and verification of the balance, you are reporting unverifiable information which violates FCRA standards. You must delete this charge off or correct it based on verifiable records only. 
XXXX XXXX Inquiry Date : XX/XX/XXXX HARD INQUIRY This inquiry was not authorized by me. I did not apply for credit, services, or any product that would give XXXX a permissible purpose under FCRA 604. This is an unauthorized inquiry and must be removed immediately because it is harming my creditworthiness and was done without my consent. 
XXXX XXXX Inquiry Date : XX/XX/XXXX HARD INQUIRY I did not grant permission for this inquiry. This is another unauthorized pull of my consumer file, violating FCRA 604 ( a ) ( 2 ) because there was no application or permissible purpose. You must delete this inquiry immediately from my report. 
These inaccurate, unauthorized, and unverified items are causing harm, increasing my credit denials, and violating key federal consumer protection laws. I request that the CFPB take action to ensure these companies follow federal law and correct or delete all inaccurate information. I also request that the CFPB require the bureaus to provide proof of verification or remove the items immediately as required by FCRA 1681i. 
Thank you for reviewing this complaint and helping enforce accuracy and compliance across the credit reporting system.

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