Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against the credit bureaus and the following creditors and data furnishers for violating the Fair Credit Reporting Act ( FCRA ) by reporting multiple inaccurate, unauthorized, and unverifiable items on my consumer report. Despite my attempts to resolve these issues directly, the inaccuracies continue to harm me. 

1. WRONG / UNAUTHORIZED ADDRESSES The following addresses on my credit report are incorrect, do not belong to me, and must be removed immediately : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address These addresses have no relationship to me, and their presence poses severe identity-theft and mixed-file risks. Under FCRA 602 & 607 ( b ), credit bureaus must maintain maximum possible accuracy and remove all false personal information.

2. FALSE LATE PAYMENT REPORTING ( I HAVE NEVER BEEN LATE ) The following creditors are reporting inaccurate and false late payment history. 
I have never made a late payment, and these entries are factually incorrect and must be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Reported Late Payment Opened XX/XX/XXXX | High Balance {$7600.00} XXXX BANK XXXX ( XXXX ) Reported Late Payment Opened XX/XX/XXXX | High Credit {$1000.00} XXXX / XXXX XXXX ( XXXX ) Reported Late Payment Opened XX/XX/XXXX | High Balance {$23000.00} XXXX XXXX  ( XXXX ) Reported Late Payment Opened XX/XX/XXXX | High Balance {$45000.00} These creditors are reporting false delinquencies, violating FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information they know or should know is inaccurate. I demand an immediate reinvestigation and correction.

3. UNKNOWN / UNVERIFIED CHARGE-OFF ACCOUNTS I have no knowledge of the following accounts, nor do I recognize ever owing these debts.

Under FCRA 609 & 611, furnishers must provide full verification.

I request immediate deletion if they can not prove ownership XXXX XXXX XXXX XXXX XXXX ) Charge-Off Opened XXXX XXXX, XXXX | High Balance {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX ) Charge-Off Opened XX/XX/XXXX | High Balance {$5500.00} These accounts are unverified, inaccurate, and harmful, and must be removed if no original documentation is produced. 

4. UNAUTHORIZED HARD INQUIRIES The following companies conducted inquiries without my consent or any permissible purpose, violating FCRA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, nor did I apply for credit with these companies. Unauthorized inquiries violate federal law and must be removed immediately. 

REQUESTED ACTIONS I request the CFPB to require the credit bureaus and furnishers to : Immediately remove all incorrect addresses. 

Correct all false late-payment reporting since I have never made a late payment. 

Delete all charge-off accounts I have no knowledge of unless full verification is provided. 

Remove all unauthorized inquiries conducted without my permission. 

Provide me with written confirmation of all corrections. 

These errors are causing financial harm, including credit score damage, credit denials, and emotional distress. I am requesting full enforcement of my rights under the FCRA.

Thank you for your prompt attention to this serious matter.

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