Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX account ending in XXXX appeared on my credit reports with an address I never provided : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My lawful address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ( no XXXX ). I did not authorize any change to XXXX and I did not open or authorize the XXXX account that is now being reported as a collection/paid collection. 

After seeing this, I filed an identity theft police report with the XXXX XXXX Police Department and submitted the report plus my NJ drivers license, Social Security card, and utility bill to XXXX, Experian, XXXX, and XXXX. 

XXXX  : placed a XXXX extended fraud alert and completely deleted the XXXX tradeline. XXXX  also stated it would notify XXXX  and Experian of the extended fraud alert. 

XXXX  : sent me a fraud-alert postcard dated XX/XX/year> confirming the fraud alert, but still reports the XXXX account and previously reported the fake address XXXX XXXX. I disputed the XXXX address and XXXX  deleted it ( XXXX # XXXX ), which confirms that address was wrong or fraudulent. Yet they continue to investigate the XXXX account very slowly and repeatedly tell me to re-send documents that XXXX  already used to grant the extended fraud alert and delete the account. Supervisors admitted they have my police report but say the account does not meet criteria for manual removal and that they need a special deletion request ( ACDV ) from another bureau or XXXX. 

Experian : shows the XXXX account as Verified and Updated after a reinvestigation completed XX/XX/year>, even though Experian had my police report and identity-theft documentation and the address clearly did not match my lawful address. Experian still lists the account in dispute and keeps it on my report, causing ongoing harm. 

XXXX : sent me a Final Business Decision email dated XX/XX/year> ( Case XXXX ) claiming there is no XXXX error, that the address was provided when the account was established, and that the account is correctly reporting as a paid collection. On a recorded call, XXXX representatives admitted that their internal system still shows XXXX as the address. Shortly after, XXXX emailed me an Account Update on XX/XX/year> using yet another address form : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX with no apartment number at all. XXXX is therefore using XXXX different, incorrect addresses ( XXXX internally and a no-apartment billing address externally ), neither of which matches my real address ( XXXX XXXX ). XXXX continues to furnish this inconsistent and inaccurate information to the CRAs even after receiving my police report and fraud documentation. 


Because of this, my credit score dropped over XXXX points, I lost access to normal credit, and I have spent many hours trying to fix the problem. The companies have : failed to conduct a reasonable reinvestigation after notice of fraud and an identity-theft police report; continued to furnish and/or report inaccurate address and account information after being notified in writing; required me to repeatedly mail the same documents instead of using the verified information already provided and shared between bureaus; left the fraudulent XXXX account and related inquiries on my reports despite XXXX  deletion and fraud-alert finding. 


I believe these actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681c-1 ) and related CFPB/FTC identity-theft guidance. 

Requested resolution : XXXX. Delete the XXXX tradeline and any related collection entries from all of my credit reports. 


XXXX. Remove any address variations using XXXX and any other address I never provided. 


XXXX. Remove any inquiries related to the fraudulent XXXX account. 


XXXX. Provide me with a written explanation of the investigation, including how the address and account were verified despite my police report and the conflicting addresses. 


XXXX. Confirm that my XXXX extended fraud alert remains in place and that all parties have properly documented my identity-theft report.

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