Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : This address is being inaccurately reported on my credit file in violation of FCRA 15 USC 1681e ( b ) which requires maximum possible accuracy in reporting Story : I have never lived at this address and it does not belong to me in any way this address may have been mistakenly or fraudulently associated with my identity and I demand that it be deleted from all credit files immediately Address : XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Law Issue : Under 15 USC 1681c and 1681e ( b ) any information being reported must be accurate and verifiable this address is not and must be deleted Story : I have no known connection to this location this address is entirely unfamiliar to me and may have been linked due to clerical or identity confusion I request immediate removal Address : XXXX XXXX XXXX XXXX, CA XXXX Law Issue : Reporting inaccurate personal information like a wrong address is a direct violation of FCRA 15 USC 1681e ( b ) and must be corrected upon dispute Story : This address is incorrect and not associated with me I am requesting that this be removed from my credit report to ensure accurate reporting of my personal identifying information Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Under 15 USC 1681s-2 ( a ) furnishers must report accurate information and under 1681i the bureau is required to reinvestigate any item in dispute within 30 days Story : This account shows a late payment that is being incorrectly reported I have no record of making any late payments on this account and I dispute the accuracy of that negative entry I am requesting full investigation and prompt removal if unverified Inquiry : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Law Issue : Unauthorized hard inquiries are a violation of FCRA 15 USC 1681b ( c ) and ( f ) which prohibits accessing a consumer 's credit file without permissible purpose Story : I did not authorize this credit inquiry I had no transaction or application pending with XXXX XXXX XXXX at the time this was pulled this appears to be an unauthorized inquiry and I am demanding its immediate removal Inquiry : XXXX XXXX  XXXX Law Issue : As per FCRA 15 USC 1681b ( f ) an entity may only obtain a consumer report with proper authorization and permissible purpose Story : I never gave consent for this inquiry and have no relationship with this entity I believe this hard inquiry was done without lawful basis or authorization and I request it be removed immediately Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

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