Consumer complaint received 2025-11-05 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and the creditors listed below for reporting false, misleading, and unverifiable information on my credit report. These actions have caused significant and ongoing harm to my credit reputation, emotional well-being, and financial stability. Despite my prior attempts to dispute these inaccuracies directly with the credit bureaus, the items have not been corrected or properly investigated in compliance with the Fair Credit Reporting Act ( FCRA ). 
Below are the specific accounts and issues I am disputing : WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address These addresses are completely incorrect and have never been associated with me. I have no rental, ownership, or mailing connection with any of these locations. The presence of such inaccurate addresses raises serious privacy and identity concerns. Please remove these addresses immediately from my credit file under FCRA 604 and 607 ( b ), as they represent false identification data. 
ACCOUNT DISPUTES : XXXX XXXX XXXX Acct # XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3500.00} | Late Payment This account is reporting a late payment that never occurred. I have never missed or delayed any payment under this account, and I demand a full verification of payment history. If you can not provide documented proof of any alleged delinquency, this information must be corrected to reflect a perfect payment record as required under FCRA XXXX ( A ). 
XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment It is illogical and inaccurate to show a late payment on a {$0.00} balance account. This clearly indicates reporting errors. I request immediate correction or deletion if proper documentation of late payment can not be provided. 
XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$320.00} | Late Payment I have never received any delinquency notice from this creditor. This entry appears to be either a system reporting mistake or misattributed to my profile. Please validate with the original creditor and remove any inaccurate information per FCRA 609 ( A ) ( 1 ). 
XXXX XXXX XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$6100.00} | Late Payment I have consistently maintained timely payments with XXXX XXXX XXXX XXXX. The late payment entries are false, and no legitimate proof can justify such reporting. I request full deletion of any inaccurate payment status immediately. 
XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$290.00} | Late Payment This late payment report is incorrect. I was never delinquent on this account. Please investigate thoroughly and update the record to reflect timely payments. 
XXXX XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off I have no knowledge of this alleged charge-off account. I have never been notified or billed for this debt, and I demand validation from the original creditor. If verification can not be provided, this account must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) for unverifiable data. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$440.00} | Charge Off I dispute this entry in its entirety as I have no recollection or contractual agreement with this creditor. This appears to be a case of mistaken identity or mixed credit file. Remove this account immediately as it is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off This account is reporting as charged off, but I have never received any notice or document indicating delinquency or charge-off status. Additionally, the balance owed is {$0.00}, which directly contradicts the claim of a charge-off. This reporting is inaccurate and must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ) for unverifiable data. 
XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$630.00} | Late Payment This late payment claim is false. I have never missed or delayed any payment for this account. There is no proof of delinquency, and no written notice was provided to me. I demand correction of the payment history or removal of the account if validation can not be provided. 
XXXX XXXX Acct # XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off It is impossible for a {$0.00} balance account to be charged off. This error shows carelessness in reporting and violates the FCRAs requirement for maximum accuracy under 607 ( B ). Please delete this inaccurate account from my file immediately. 
XXXX XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2800.00} | Late Payment I have maintained timely payments with XXXX XXXX XXXX XXXX and have never been notified of any late payment. This report is incorrect and defamatory. I request a full reinvestigation and prompt correction of this entry. 
XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3100.00} | Late Payment This late payment reporting is false and unverified. I have not missed any payments under this account. Unless written proof is provided directly from the original creditor, this entry must be removed from my credit report. 
XXXX Acct # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$600.00} | Late Payment I dispute the late payment reporting entirely. I have no knowledge of ever being late or receiving any delinquency notice for this account. Please verify with the original creditor and remove any unverified or false information per FCRA 611 ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Charge Off This charge-off is incorrect. I was never informed of any default, nor was I contacted regarding collection efforts. This appears to be a serious reporting error. I demand deletion for lack of verification and proof of liability. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off A {$0.00} balance can not logically be charged off. This error suggests false and negligent reporting. I request immediate deletion of this account as it violates the principle of accuracy under FCRA 607 ( B ). 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Charge Off This is a duplicate and inaccurate reporting of the same account listed above. Duplicate entries are misleading and unfairly lower my credit score. Please delete all duplicate and unverifiable listings immediately. 
XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account is listed as having late payments despite a {$0.00} balance. This is clearly an error. No late payments were made, and no delinquency notice was received. I request that this entry be corrected or deleted from my report. 
XXXX XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Collection * * This account is being falsely reported as a collection. I have never had any direct relationship or agreement with XXXX XXXX XXXX. They may have purchased a debt without my consent or proper validation. I dispute this entire entry and demand its removal unless full documentation is provided per FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$1800.00} | Collection * * This is another inaccurate and unverifiable collection entry. I never received any communication or validation of this debt. Without proof of ownership and validation from the original creditor, this record must be deleted immediately. 
XXXX XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Collection * * This appears to be a duplicate entry of the same XXXX Funding account listed above. Duplicate reporting is prohibited and creates unfair damage to my credit profile. I demand immediate removal of this duplicate record under FCRA 607 ( B ) for failure to maintain maximum possible accuracy. 
XXXX  Acct # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$610.00} | Late Payment * * This late payment entry is completely inaccurate. I have never received a notice or document stating I was late on this account. Please verify the payment history with the original creditor and correct or delete this false information immediately. 
XXXX XXXX Acct # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$5600.00} | Charge Off * * I dispute this entry in its entirety. I have no record or contractual relationship with XXXX XXXX. This charge-off is false and unverified. I demand that this account be removed for noncompliance with the verification requirements of FCRA 611 ( A ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$14000.00} | Collection * * This appears to be another variation of the same unverified debt reported by XXXX  XXXX. This duplication and inconsistency demonstrate failure to maintain accurate reporting. I request immediate deletion of both entries unless full proof of validation is provided. 
UNAUTHORIZED OR EXCESSIVE CREDIT INQUIRIES : The following inquiries were made without my knowledge, authorization, or consent. I never applied for credit with these companies at the times listed, and I have no relationship with many of these institutions. Under FCRA 604 ( a ) ( 3 ), an inquiry may only occur when a consumer has initiated a credit transaction. These inquiries violate that law and must be removed immediately. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Each of these inquiries negatively impacts my credit score and constitutes an invasion of my privacy. If you can not produce signed applications or authorization forms proving that I personally initiated these inquiries, they must be deleted immediately. 
REQUEST FOR CFPB INTERVENTION I have already attempted to dispute these items with the major credit bureaus, but the investigations were incomplete and failed to correct or remove the false information. These actions constitute noncompliance with FCRA 611 ( A ) and 607 ( B ), as the bureaus are required to ensure maximum possible accuracy and to delete unverifiable data. 
I am requesting that the Consumer Financial Protection Bureau investigate these violations and compel the credit bureaus and creditors to : XXXX. Delete all unverifiable and inaccurate accounts and inquiries listed above. 
XXXX. Provide documentation proving verification or authorization where applicable. 
XXXX. Ensure my credit report is corrected and updated with accurate information. 
These inaccurate and unauthorized entries have caused me substantial emotional distress, loss of credit opportunities, and reputational harm. I expect a prompt investigation and appropriate enforcement action against all parties involved in this negligence and noncompliance.

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