Consumer complaint received 2025-10-24 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:
Dear CFPB Representative, I am submitting this complaint to request your immediate investigation and enforcement against multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by the credit bureaus and several furnishers listed below. These entities have reported false, inaccurate, and unverifiable information on my credit report, resulting in serious harm to my financial reputation, denial of credit opportunities, and emotional distress. 
I have already contacted the credit bureaus and the furnishers directly to dispute these errors, but they have failed to correct or delete the false information. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau for further investigation and resolution. 
Wrong Addresses Reported ( Violation of FCRA 607 ( b ) ) : The following addresses are being incorrectly associated with my identity. I have never lived at nor been connected to these addresses in any way. Please remove them immediately as they are false identifiers causing confusion in my report and linking me to unrelated accounts. 
XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Wrong Address XXXX XXXX XXXX, XXXX, NJ XXXX Wrong Address These addresses are incorrect and should not appear on my file. They represent serious inaccuracies and potentially fraudulent connections that violate my consumer rights under FCRA 604 and 605. 
XXXX XXXX XXXX Account XXXX XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Charge Off I have no record or recollection of this account. I have never authorized or maintained any financial relationship with XXXX XXXX  or XXXX XXXX that would lead to this charge-off status. Under FCRA 609 ( a ), you are required to provide proof of my signature or valid contractual obligation for this account. If no verifiable documentation is provided, this entry must be immediately deleted as unverified and inaccurate reporting. 
XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Charge Off This account is being inaccurately reported as a charge-off. I dispute the accuracy of this status because I have no knowledge of this account being charged off or any verified communication supporting that status. Reporting unverifiable derogatory information violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) which require furnishers to maintain complete and accurate records. 
XXXX XXXX Account XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : $ XXXX : Charge Off This reporting is completely incorrect and misleading. I have no open or charged-off account with Nissan-Infinity. The furnisher has failed to provide verification or original documentation showing that I entered any contract or loan agreement with them. This account must be deleted under FCRA 611 and FCRA 602 ( A ) for unverifiable and inaccurate reporting. 
XXXX XXXX CO Account # XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Late Payment This account is being falsely reported as having late payments. I have never made any late payments on this account and I request immediate correction of the payment history to show an accurate on-time record. Reporting late payments without factual evidence or documentation violates FCRA 623 ( a ) ( 1 ) ( B ) and constitutes negligence on the part of the furnisher. 
XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Charge Off I have no knowledge of this account. This appears to be a third-party collection or purchased debt that I have never authorized nor acknowledged. Unless the furnisher provides original signed documentation linking me to this account, it must be immediately removed as an unverifiable and inaccurate entry under FCRA 609 ( a ) and FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Charge Off I dispute this reporting because I never had a charge-off with Affirm. This entry appears to be an error or mixed file issue. Please verify with complete payment history and proof of delinquency. If the furnisher can not validate, delete it immediately under FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX  Account # XXXX Open Date : XX/XX/XXXX, XXXX Balance : $ XXXX : Charge Off This entry is completely unrecognized. I have no account or obligation with XXXX or XXXX XXXX. This is likely identity confusion or mixed file reporting. Please delete this unverifiable account in compliance with FCRA 602 ( A ) and 611. 
Inquiries Unauthorized Credit Pulls ( Violation of FCRA 604 ) : The following companies made unauthorized inquiries into my credit report without my knowledge or consent. I did not apply for credit or services with any of these institutions. Such actions are violations of the permissible purpose rule under FCRA 604 ( a ) ( 3 ) and must be immediately removed. 
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Each of these errors represents a clear violation of my federal consumer rights and is severely harming my creditworthiness and financial stability. I demand that your bureau perform a complete reinvestigation within 30 days, as required under FCRA 611, and provide me with a written confirmation of the results along with an updated copy of my credit report.

SUMMARY OF VIOLATIONS The credit bureaus and furnishers listed above have collectively violated multiple provisions of the FCRA, including but not limited to : 602 ( A ) Ensuring accuracy and fairness of credit reporting.

604 ( a ) ( 3 ) Permissible purpose for inquiries.

607 ( b ) Maintenance of accurate and up-to-date information. 
609 ( a ) Right to receive verification of reported information.

611 ( a ) Reinvestigation of disputed information.

623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

REQUEST FOR RELIEF I respectfully request that the CFPB investigate these violations and take corrective action to ensure that : 1. All inaccurate, unverifiable, and unauthorized information is removed from my credit reports with all bureaus.

2. Each furnisher is required to provide proper documentation proving the legitimacy of the accounts or inquiries.

3. The credit bureaus provide me with an updated and corrected credit report showing these removals.

4. Disciplinary or corrective actions be considered against the furnishers and bureaus for repeated non-compliance with federal law. 
These errors have caused significant emotional distress and financial harm, including loss of credit opportunities, higher interest rates, and damage to my reputation. I am requesting the CFPBs urgent assistance to restore the accuracy of my credit report and hold the responsible parties accountable.

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