Consumer complaint received 2025-09-26 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 filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws are being violated. The credit reporting agencies and furnishers have reported false, inaccurate, and misleading information on my credit file. I am suffering financial damage, emotional distress, and reputational harm because these items are completely incorrect, unverified, and unlawful. I am demanding immediate investigation, correction, and deletion where applicable. 
XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address This address has never belonged to me. I never lived there, worked there, or had any connection to this address. Reporting this false address creates a misleading profile that links me to fraudulent or unrelated activity. Under FCRA Section XXXX ( A ) and Section XXXX ( b ), credit reporting agencies must ensure maximum possible accuracy of the information they report. The inclusion of this false address is a direct violation of those laws. Under FCRA Section XXXX ( a ) ( XXXX ) I also have the right to request all sources of this information, which have not been properly provided. I demand immediate deletion of this address. 
Bankruptcy Chapter XXXX Docket Identifier XXXX Court XXXX XXXX XXXX  NJ XXXX Bankruptcy This bankruptcy is being falsely reported under my name. I have never filed for bankruptcy in any court, at any time. Associating me with this bankruptcy is a serious error that damages my creditworthiness and violates my rights. Under FCRA Section XXXX ( a ) ( XXXX ), bankruptcies can only be reported if they are accurate, verifiable, and belong to the consumer. This record does not belong to me, and therefore its reporting is unlawful. Furthermore, under FCRA Section XXXX ( a ), when I dispute information, the bureau must conduct a reasonable reinvestigation. No such reasonable reinvestigation has been done, and the bankruptcy is still appearing. This is negligent and willful noncompliance. I am demanding that this record be permanently deleted immediately. 
These false items have placed me in a position where lenders and employers are judging me based on inaccurate and damaging information. I can not move forward financially or personally because my credit report is poisoned by information that does not belong to me. The law is clear : under FCRA Section XXXX and Section XXXX, I have the right to pursue damages against any party that willfully or negligently fails to comply with these obligations. 
I request that the CFPB take enforcement action to ensure that the credit reporting agencies and furnishers involved immediately remove the above wrong address and false bankruptcy, provide full verification documentation of their sources, and certify compliance with the 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