Consumer complaint received 2025-09-24 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 submitting this complaint because multiple inaccurate items are being reported on my credit file. These include wrong addresses, charge-offs, late payments, and unauthorized inquiries. These entries are false, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I have been financially harmed, denied credit, and subjected to reputational damage because of these inaccuracies. 
XXXX XXXX XXXX XXXXXXXX, NJ, XXXX Wrong Address reporting this address is inaccurate and does not belong to me it violates FCRA 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, I have never lived or received mail at this location yet it continues to show as part of my credit file causing confusion and misrepresentation XXXX XXXX XXXX, XXXX, OH, XXXX Wrong Address once again this listing is incorrect, I have no connection to this residence, maintaining inaccurate addresses is negligent reporting and creates the impression of instability and multiple identities which is discriminatory and damaging when I apply for credit XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$3600.00} Charge Off this account is being reported as a charge off but the information is inaccurate, incomplete, and unverifiable, under FCRA 609 and 611 I have the right to request complete validation including original signed application, payment history, and chain of custody of the debt, without such proof this account must be deleted immediately, continuing to report a false charge off is damaging my reputation and ability to obtain financing, it also violates FDCPA 807 by misrepresenting the legal status of a debt XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$3600.00} Charge Off this tradeline is being reported as a charge off but I dispute its accuracy, the creditor has not provided any documentation or validation, therefore reporting it constitutes negligent and willful noncompliance under FCRA 616 and 617, this erroneous entry is causing me to be denied credit opportunities, higher interest rates, and unnecessary stress, I demand deletion XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment this account is showing late payments that are false and misleading, I have requested validation but none has been provided, the creditor and bureaus are required under FCRA 623 to report complete and accurate information, knowingly reporting false lates is a violation of consumer protection law and must be corrected immediately, this inaccuracy is preventing me from rebuilding positive credit history XXXX XXXX XX/XX/XXXX Inquiries this is another unauthorized inquiry, inclusion of multiple inquiries on the same date suggests either fraud or reporting errors, such practices are unfair and deceptive, I demand deletion as required by law Resolution Requested : Immediate removal of all wrong addresses. 
Deletion of unverified charge-offs and late payments. 
Deletion of unauthorized hard inquiries. 
Written confirmation of corrective action. 
If these errors are not corrected within the required time under FCRA 611, I will pursue further remedies including private legal action for damages under FCRA 616 and 617.

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