Consumer complaint received 2025-08-15 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 regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS Item : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA Section 609 ( a ) ( 1 ) I have the right to request and be provided with all information in my file, and Section 611 ( a ) you must reinvestigate disputed information within XXXX  days and delete unverifiable data Issue : This address is inaccurately listed on my credit report. I have never lived, worked, or been associated with this address, and no accounts in my report are tied to it Story : The continued presence of this address is damaging my creditworthiness by creating a false link to locations that may be tied to fraudulent or negative activity. In my first dispute, you failed to provide verification from the original furnisher or any signed documentation showing I resided here. Since no proof exists, this information must be deleted immediately under the FCRA INQUIRY Item : XXXX XXXX XXXX XX/XX/year> Law : FCRA Section 604 ( a ) ( 3 ) a permissible purpose must exist for a hard inquiry ; FCRA Section 611 ( a ) right to dispute and request reinvestigation Issue : This inquiry was made without my consent or any application for credit Story : I have no relationship or transaction with XXXX XXXX XXXX that would authorize this inquiry. This was previously disputed, yet no documentary evidence was provided to prove a permissible purpose. Continued reporting violates my rights under the FCRA and must be removed INQUIRY Item : XXXX XXXX  XX/XX/year> Law : FCRA Section 604 ( a ) ( 3 ), Section 611 ( a ) Issue : Unauthorized hard inquiry with no consumer-initiated application or request for credit Story : I never applied for any financing or loan with XXXX XXXX on or around this date . The lack of permissible purpose makes this a violation, and your failure to validate it in the first round requires immediate deletion INQUIRY Item : XXXX XX/XX/year> Law : FCRA Section 604 ( a ) ( 3 ), Section 611 ( a ) Issue : Inquiry recorded without my authorization Story : I did not submit any credit application to XXXX. No documentation was provided during the initial investigation showing my signed consent. Reporting this inquiry without verification violates federal law and harms my credit score INQUIRY Item XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA Section 604 ( a ) ( 3 ), Section 611 ( a ) Issue : No permissible purpose for this inquiry exists Story : I have no accounts or applications with XXXX XXXX XXXX XXXX. The first dispute produced no evidence, and this second-round request demands deletion for failure to verify INQUIRY Item : XXXX XXXX XXXX XX/XX/year> Law : FCRA Section 604 ( a ) ( 3 ), Section 611 ( a ) Issue : Unauthorized inquiry damaging my consumer report Story : I did not authorize or apply for any credit product from XXXX XXXX XXXX. Your reinvestigation must remove this as no permissible purpose was proven I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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