Consumer complaint received 2025-09-25 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 formal complaint regarding multiple inaccurate and misleading items reported on my credit file that have caused significant harm to my financial reputation, misrepresented my financial responsibility, and created unnecessary obstacles to obtaining credit. I request immediate investigation, correction, or removal of these items under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- This is not my residence or prior address. Reporting this incorrect address falsely associates me with a location I have no ties to. This misreporting raises questions about my identity and residency history, which could lead to lenders incorrectly assessing my credit risk. The continued presence of this inaccurate address is unfair, unjust, and must be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX- This address is not mine and has never been associated with my financial or personal records. Its inclusion is entirely inaccurate and misrepresents my identity. This has caused me confusion, unnecessary verification processes with lenders, and damages my credibility. The reporting of this address is misleading and creates a negative impact on my financial history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$0.00} - This account is reported as Charged off, but the balance and status listed are inaccurate and do not reflect my true financial obligations. Reporting this inaccurately harms my credit score, misrepresents my repayment behavior, and potentially affects my ability to secure future credit. Under FCRA Section 611, I demand that XXXX verify this account immediately and provide accurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$0.00} - Reported as Charged off, this account information is incorrect. This misreporting falsely portrays me as delinquent, negatively affects my credit score, and causes stress and financial harm. I dispute this item in full and request immediate correction or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1700.00} - This account is reported as Charged off, which is inaccurate. The incorrect status misleads creditors about my financial responsibility and affects my creditworthiness. This misinformation may cause denial of loans or higher interest rates. I demand verification and correction under FCRA guidelines. 
XXXX XX/XX/XXXX - This hard inquiry was unauthorized. Reporting this inquiry falsely implies I sought credit or consented, which I did not. Its existence is damaging my credit report and credibility with lenders. Immediate removal is demanded. 
XXXX XXXX XXXXXXXX XX/XX/XXXX- This inquiry was not authorized and is therefore invalid. Its presence is misleading and creates a false perception of my credit activity. I demand its deletion. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- This hard inquiry was made without my knowledge or consent. Reporting it inaccurately violates FCRA Section 604 and has a direct negative impact on my creditworthiness. It must be removed immediately. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reported without my authorization. Its presence misleads lenders and negatively affects my credit history. I request verification and removal. 
I request that CFPB investigate these inaccurate items, require all relevant reporting agencies to verify their validity, and ensure that all incorrect information is immediately corrected or removed. Failure to address these errors exposes me to financial harm, stress, and potential credit denial. I request written confirmation of all actions taken, including an updated credit report reflecting accurate information.

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