Consumer complaint received 2025-05-31 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 to dispute multiple inaccurate items and serious violations of my consumer rights appearing in my credit report. These inaccuracies are negatively affecting my financial standing, and I demand that they be thoroughly investigated, verified, and corrected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

1. Incorrect Addresses Reported The following addresses have been inaccurately reported as associated with me. I have never lived at these addresses, and they must be removed immediately : XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Basis : Under 15 U.S. Code 1681i ( FCRA ), consumers have the right to dispute inaccurate or incomplete information, and credit bureaus must conduct a reasonable reinvestigation. Failure to correct or delete unverifiable addresses violates my rights. 
2. Disputed Accounts XXXX XXXX XXXX Account XXXX XXXX Opened : XX/XX/XXXX Balance : {$34000.00} Issue : Late payments reported inaccurately. 
Legal Basis : Under 15 U.S. Code 1681s-2, furnishers must report accurate data. Inaccurate late payments that are not properly validated must be removed. 
XXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1200.00} Issue : Collection account ; duplicate entry and unverifiable debt. 
Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Legal Basis : Violation of FDCPA 15 U.S. Code 1692e False or misleading representations. Also, under FCRA 15 U.S. Code 1681i, I have the right to request validation. 
XXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Collection account ; not properly validated, may be a duplicate. 
Legal Basis : Under 15 U.S. Code 1692g, debt collectors must validate the debt upon request. Failure to provide validation is a clear violation. 
XXXXXXXX XXXX  Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$580.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Issue : Collection account not validated or authorized. 
Legal Basis : Violates 15 U.S. Code 1692g ( b ) Debt must be validated upon dispute. No proof of original agreement or itemized statement was provided. 
XXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported late payment despite account showing {$0.00} balance. 
Legal Basis : This constitutes inaccurate reporting under FCRA 1681s-2 ( a ). Reporting a late payment after an account is paid violates federal guidelines. 
XXXX  XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$3100.00} Issue : Charge-off with no recent validation. No verification of balance or activity. 
Legal Basis : Under 15 U.S. Code 1681i ( a ), charge-offs must be fully verified if disputed. Failure to provide documentation requires removal. 
XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$890.00} Issue : Charge-off ; accuracy of amount is in question, and no documentation has been provided. 
Legal Basis : FCRA 1681s-2 requires complete and accurate information. No breakdown or proof of charge-off was sent. 
XXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Charge-off with unclear account activity history and dispute unresolved.

Legal Basis : Under FCRA 1681i, this item must be verified with complete and accurate records. No documentation received to validate this account. 
XXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$2200.00} Issue : Charged-off account with lack of contractual agreement documentation. 
Legal Basis : This may violate FDCPA 807 and FCRA 1681s-2. Furnishing unverifiable debt is a compliance breach. 
XXXXXXXX XXXX Account XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charged-off account with {$0.00} balance contradictory and misleading. 
Legal Basis : Under FCRA 1681e ( b ), credit reporting must be both accurate and complete. Reporting a charge-off with no balance is materially misleading.

Requested Resolution : Immediate deletion or correction of all inaccurate and unverifiable accounts.

Permanent removal of all wrong addresses from my credit profile.

Written confirmation of actions taken, including investigation details per FCRA 1681i ( a ) ( 6 ).

If debt collectors fail to validate debt, I request full deletion under FDCPA 809.

I reserve the right to pursue further legal action and file complaints with the FTC or Attorney General if my rights are not upheld.

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