Consumer complaint received 2025-10-13 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 formal complaint against multiple creditors, debt collectors, and credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccurate, unverifiable, and misleading accounts, as well as wrong addresses, improper charge-offs, and questionable collection entries. These errors are negatively impacting my creditworthiness and causing me significant harm. 

1. Wrong and Fraudulent Address Reporting The following addresses are not connected to me and should not appear on my credit file : XXXX XXXX XXXX XXXX A A, XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wrong Address Reporting false addresses creates confusion, suggests possible identity theft, and is a direct violation of the FCRAs requirement for accurate reporting. 

2. Improper Charge-Off Accounts The following accounts are being reported as charge-offs, but they are inaccurate, unverifiable, and in violation of 15 U.S.C. 1681i ( failure to reinvestigate disputed information ) : XXXX XXXX XXXX Acct. # XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XXXX Acct. # XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX # XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX Acct. # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Acct. # XXXX Opened XX/XX/XXXX {$2000.00} Bank XXXX XXXX Acct. # XXXX Opened XX/XX/XXXX {$5600.00} XXXX XXXX Acct XXXX # XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX Acct XXXX # XXXX Opened XX/XX/XXXX {$4000.00} XXXX XXXX Acct XXXX # XXXX Opened XX/XX/XXXX {$750.00} XXXX XXXX Acct XXXX # XXXX Opened XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX # XXXX Opened XX/XX/XXXX {$900.00} These entries are outdated, inconsistent, and in some cases duplicated. I have not received proper validation of these debts. Continuing to report them without validation violates the FDCPA and the FCRA. 

XXXX. Improper and Duplicated Collection Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other agencies are reporting multiple collection accounts opened within the same timeframe, with inconsistent amounts and balances : XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$620.00} Diversified Adjustment Acct. # XXXX {$370.00} ( Opened XX/XX/XXXX ) Many of these appear duplicated, unverified, and unverifiable, raising serious concerns of re-aging of debt and abusive collection practices. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry This inquiry was done without my authorization or permissible purpose, violating 15 U.S.C. 1681b. 

Requested Resolution I respectfully request the CFPB to : Investigate and remove all inaccurate addresses listed above. 

Delete or correct all charge-off accounts that are unverifiable, outdated, or misreported. 

Remove all duplicate and unvalidated collection accounts being reported by XXXX XXXX XXXX and others. 

Investigate and remove unauthorized inquiries. 

Ensure compliance with the FCRA and FDCPA, and hold these furnishers and reporting agencies accountable for failure to maintain accurate and fair reporting. 

These inaccurate and unlawful entries are causing me serious financial and reputational harm. I request the CFPBs urgent assistance to enforce my rights under federal law.

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