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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and unlawful items being reported on my credit file. These errors are causing financial harm and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the specific items being disputed : XXXX XXXX XXXX XXXX XXXX, NY, XXXX Wrong Address This is not and has never been my address. Reporting of this false location is a direct violation of FCRA 607 ( b ), which requires credit bureaus to maintain accurate records. By associating me with an address I have never lived at, you are damaging my identity and credibility. I am requesting immediate deletion of this false address. 
XXXX XXXX XXXX, XXXX, NY, XXXX Wrong Address This address is also incorrect and falsely tied to my name. I have no connection, lease, or residency record with this property. Continuing to publish this inaccurate address exposes me to identity risk and financial harm. This must be permanently removed in compliance with FCRA 609 ( a ). 
XXXX XXXX  BANK NA XXXX Open Date XX/XX/XXXX High Credit {$800.00} Late Payment I dispute the reporting of late payments on this account. I have never been late, and the reporting is factually incorrect. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from providing inaccurate information to credit reporting agencies. My payment history was always on time, therefore this negative notation is fraudulent and must be corrected to reflect a perfect payment record. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this alleged account. This reporting is inaccurate, unverifiable, and constitutes a violation of FDCPA 807 ( 8 ), which forbids false representation of accounts. If you can not provide a full contract with my signature proving this account, it must be permanently deleted for lack of verification under FCRA 611 ( a ). 
XXXX XXXX BANK NA XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment Once again, the account is inaccurately reporting late payments that never occurred. Under FCRA 602 ( A ) I am entitled to accurate reporting. This is a duplicate and false derogatory entry against me, damaging my score unjustly. I demand correction of all payment history to reflect an on-time status immediately. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This is another false report of late payments. I have never made late payments to this company. Under FCRA 611 ( b ), you are required to conduct a reasonable reinvestigation. Unless you can provide proof of late payments with exact records and billing statements, you must update this account to reflect accurate and positive history. 
XXXX XXXX Date Opened XX/XX/XXXX Unpaid Balance {$530.00} Collection I have no knowledge of this collection account. I was never contacted properly under FDCPA 809 ( a ), which requires written validation of debt. XXXX XXXX is notorious for purchasing unverifiable debts, and unless you provide full validation including contract, billing statements, and chain of custody, this item must be deleted as it is inaccurate and damaging. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX This inquiry was made without my authorization. Hard inquiries require consumer consent under FCRA 604 ( a ) ( 3 ). I never applied for credit with XXXX XXXX XXXXXXXX on this date, therefore this must be removed as an impermissible inquiry. 
XXXX XXXX XXXX XXXX, XXXX This inquiry was also unauthorized and without my written consent. The presence of this inquiry lowers my XXXX XXXX unfairly. Under FCRA 604, this reporting is unlawful and must be removed immediately. 
Final Demand / Resolution Requested The above items are violations of FCRA and FDCPA. They are inaccurate, unverifiable, and damaging to my creditworthiness. I request the following resolutions : XXXX. Delete the wrong addresses from my file. 
XXXX. Correct false late payment history to reflect on-time status. 
XXXX. Remove accounts that are not mine or can not be verified with proper documentation. 
XXXX. Delete unauthorized hard inquiries. 
If these issues are not resolved within the legally required timeframe of 30 days, I will escalate further with the FTC, State Attorney General, and pursue legal action under FCRA 616 and 617 for damages caused by willful and negligent 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