Consumer complaint received 2025-11-12 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and unverified accounts currently appearing on my credit report. These accounts are being reported without proper validation or verification and in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate investigation, deletion, and correction of the following accounts from all consumer reporting agencies. Each account listed below has been inaccurately reported, causing significant damage to my creditworthiness and reputation. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine. Keeping inaccurate personal data violates FCRA 607 ( b ) and 609 ( a ) ( 1 ) ( A ). Delete immediately. 

XXXX XXXX XXXX # XXXX | Opened XX/XX/XXXX | {$34000.00} | Late Payment Late payments not verified through signed billing records. Violates 611 ( a ) and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX  ( XXXX XXXX XXXX XXXX ) # XXXX| Opened XX/XX/XXXX | {$1200.00} | Collection No proof of ownership or validation. Violates FDCPA 809 ( b ) and FCRA 607 ( b ). 

XXXX XXXX  ( XXXX XXXX XXXX XXXX ) # XXXX| Opened XX/XX/XXXX | {$1000.00} | Collection Duplicate/unverified reporting. Violates 611 ( a ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX XXXX | Opened XX/XX/XXXX | {$0.00} | Late Payment Reporting late payments on a {$0.00} balance violates 607 ( b ). 

XXXX  XXXX # XXXX| Opened XX/XX/XXXX | {$3100.00} | Charge Off No verified contract or billing proof. Violates 609 ( a ) ( 1 ) ( A ). 

XXXX XXXX  XXXX # XXXX | Opened XX/XX/XXXX | {$890.00} | Charge Off Unverified data and false charge-off. Violates 602 ( A ) and 607 ( b ). 

XXXX XXXX # XXXX| Opened XX/XX/XXXX | {$3700.00} | Charge Off No validation or signed records. Violates 623 ( a ) ( 1 ) ( A ). 

XXXX  XXXX # XXXX | Opened XX/XX/XXXX | {$2200.00} | Charge Off No proof of debt or notice. Violates 611 ( a ). 

XXXX XXXX  # XXXX | Opened XX/XX/XXXX | {$0.00} | Charge Off Reporting charge-off with XXXX balance violates 607 ( b ). 

XXXX XXXX  XX/XX/XXXX| Inquiry Unauthorized inquiryno consent given. Violates 604 ( a ) ( 3 ).

Each of these accounts has been reported without full and proper investigation, in violation of FCRA 602, 607, 611, and 623, and FDCPA 807, 809. These actions have resulted in substantial harm to my credit profile, reputation, and financial opportunities. I am demanding the CFPB to compel these furnishers and credit reporting agencies to conduct a full reinvestigation and provide certified documentation verifying the legitimacy of each account. If the furnishers can not provide such proof, the accounts must be deleted from all reports immediately.

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