Consumer complaint received 2025-12-02 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:
To Whom It May Concern I am filing this complaint because multiple inaccurate items remain on my credit file despite prior disputes. These errors violate the Fair Credit Reporting Act and are harming my credit standing. I am requesting the CFPBs assistance to enforce proper verification and correction. 

ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and has never been connected to me. Keeping a false identifying address violates FCRA accuracy standards and creates a mixed-file risk. This address must be deleted because it can not be lawfully verified under 602 ( A ) and 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have no connection to this location, and its presence on my file misrepresents my identity. Under 602 ( A ), 607 ( B ), and 611, unverifiable personal data can not remain on my report. This address must be removed immediately. 

ACCOUNTS XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$3500.00} The late payment reporting is inaccurate. I have never made a late payment on this account, and continuing to report a false delinquency violates the accuracy obligations under 602 ( A ), 607 ( B ), and 611. This must be corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The delinquency reported here is incorrect because I always paid on time. Since no verifiable evidence exists to support a late payment, keeping this data violates federal accuracy rules and it must be corrected. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} The late payment is wrong and not supported by any accurate record. Reporting an incorrect delinquency violates the FCRA requirement of maximum accuracy. This item needs immediate correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} I never paid late on this account. Any delinquency reporting without verifiable proof violates 602 ( A ), 607 ( B ), and 611. This entry must be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} The late payment being shown is inaccurate because I have never been late. This violates federal accuracy rules and must be corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} This delinquency is incorrect. I always paid on time, and continuing to publish a false late payment violates FCRA accuracy requirements. Correction is required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2800.00} There is no valid late payment on this account. Reporting one violates 602 ( A ) and 607 ( B ) because it is unverified. The payment history must be corrected. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} The late payment reporting is wrong. I have never made a late payment, and this inaccuracy violates federal standards. It must be corrected. 

XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$600.00} This delinquency is inaccurate and can not be verified. Keeping wrong data violates FCRA requirements and must be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} The late payment is incorrect. I paid on time and the negative reporting violates accuracy laws. Immediate correction is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} There is no valid late payment on this account. Reporting one without verification violates 602 ( A ), 607 ( B ), and 611. Correct this immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I have no knowledge of this account. Since it can not be verified as mine, reporting it as a charge-off violates 602 ( A ), 607 ( B ), and 611 and it must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is unknown to me and not associated with any contract or obligation. Because unverifiable accounts can not legally remain on a report, this must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I do not recognize this account. Reporting a charge-off for an account I can not identify violates accuracy laws. This must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} I have no knowledge of this account. Since it can not be verified, it must be deleted under FCRA accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} This account is not mine and can not be connected to me. Unverifiable charge-off data must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} This account is unknown to me, and since it can not be verified as mine, it must be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} I have no knowledge of this account and no such debt exists under my records. Unverified collection accounts must be deleted under 602 ( A ) and 611. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} This is not my account and can not be verified. It must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} I have no connection to this alleged debt. Since unverifiable data can not remain, this collection must be deleted. 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized and has no permissible purpose under 604 ( a ) ( 2 ). It must be removed. 

XXXX XXXX XX/XX/XXXX This was done without my permission. Delete it. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not approved by me and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Remove it. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry lacks a permissible purpose and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX This was done without authorization. Remove it. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not approved by me. It must be deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry that must be removed. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Remove it immediately. 

XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX This was not authorized and must be removed. 

I am requesting that the CFPB require the credit bureaus and furnishers to provide documented proof supporting each disputed item, remove or correct any entry that can not be fully verified with legally acceptable evidence, and ensure compliance with all reinvestigation requirements under federal law. These ongoing inaccuracies have caused financial harm, improper credit denials, and unnecessary emotional and economic stress.

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