Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing an official complaint against multiple furnishers and credit reporting agencies for reporting false addresses, inaccurate late payments, unauthorized charge-off accounts, and unauthorized inquiries on my consumer credit reports. These items violate the Fair Credit Reporting Act ( FCRA ), including 602, 607, 609, 611, and 623.

1. WRONG / FRAUDULENT ADDRESSES These addresses do not belong to me, I have never lived at them, and their presence indicates identity misuse or reporting negligence : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I demand these addresses be removed immediately from all consumer reports as they are false and damaging.

2. FALSE LATE-PAYMENT REPORTING ( NEVER LATE ) The following accounts are inaccurately reporting late payments. 
I have never made a late payment on these accounts, and the reported payment history is factually incorrect and violates FCRA 623 ( a ).

Please correct the payment history to reflect on-time payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request immediate correction of all false late-payment notations. 

3. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF The following XXXX XXXX XXXX XXXX charge-off accounts are not mine, I have no knowledge of them, and I never authorized them. 

These must be removed entirely under FCRA 605B and 611 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent or erroneously reported.

I demand full deletion, not correction.

4. UNAUTHORIZED / IMPROPER HARD INQUIRIES The following inquiries were not authorized by me. 
They violate FCRA 604 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request removal of all unauthorized inquiries from my consumer reports. 

REQUESTED ACTIONS I respectfully request that the CFPB : Investigate the furnishers and credit bureaus involved. 

Require immediate deletion of false addresses. 

Require correction of inaccurate late-payment histories. 

Require deletion of all charge-off accounts I have no knowledge of. 

Require removal of unauthorized hard inquiries. 

Provide me with written confirmation once the investigation is complete. 

I am suffering significant harm because of these inaccurate and fraudulent items, including credit denials and financial stress. I request urgent review under the FCRA and CFPB regulations. 

Thank you for your attention and assistance.

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