Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian for gross violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681et seq., for willfully and negligently reporting inaccurate personal information, furnishing unverifiable and misleading data, unauthorized hard inquiries, and failing to maintain reasonable procedures to ensure the accuracy and integrity of consumer credit data. I am a victim of Experians negligent data practices which continue to harm my creditworthiness, personal credibility, and financial opportunities. 
Experian has failed to accurately report and verify the correct address history associated with my credit profile. I am not affiliated in any way with the following addresses, which are entirely inaccurate and misleading : XXXX XXXX XXXX XXXX, TN XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX TN XXXX Wrong Address Violation : FCRA Section 604 ( c ), Section 607 ( b ), Section 611 ( a ) ( 1 ) ( A ) Issue : These addresses are not associated with me in any form. I have never lived, worked, or had any financial relationship tied to these locations. Experians failure to verify and remove inaccurate address data has resulted in mixed files and identity confusion. 
XXXX XXXX NA Inquiry Date : XX/XX/XXXX Violation : FCRA Section 604 ( a ) ( 3 ), Section 604 ( c ), and Section 616 Issue : I did not authorize this hard inquiry. Experian failed to obtain permissible purpose before including this inquiry on my file, and they did not investigate this unauthorized inquiry even after dispute. This is a clear violation of my consumer rights under the FCRA. 
XXXX XXXX XXXX Date : XX/XX/XXXX Violation : FCRA Section 604 ( a ) ( 3 ), Section 604 ( c ), and Section 616 Issue : This inquiry was made without my knowledge or consent. I have no account with XXXX XXXX , and Experian failed to conduct a reasonable investigation upon dispute. This raises significant privacy and compliance concerns regarding unauthorized access to my personal credit data. 
Experian has failed to establish or follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. Their continued inclusion of erroneous addresses and unauthorized inquiries violates my rights under : 15 U.S. Code 1681e ( b ) Duty to maintain reasonable procedures 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information 15 U.S. Code 1681b ( f ) Lack of permissible purpose 15 U.S. Code 1681n & 1681o Willful and negligent noncompliance My credit file is being compromised due to misreporting and a clear lack of compliance with the FCRA. These errors have not only affected my credit score but also caused denials of credit applications and emotional distress. 
I am demanding the Consumer Financial Protection Bureau ( CFPB ) to investigate Experian for their ongoing violations of federal law. I am attaching all relevant documentation, and I request that Experian be held accountable for failing to correct and remove these inaccuracies despite multiple notices. 
I am requesting : XXXX. Permanent removal of all inaccurate addresses. 
XXXX. Permanent removal of unauthorized inquiries. 
XXXX. Written explanation of why Experian continues to allow unverifiable, outdated, and irrelevant data to remain on file. 
XXXX. Enforcement action against Experian for repeated violations of the FCRA. 
I seek immediate relief and correction of all errors, along with penalties imposed on Experian for willful disregard of federal consumer protection laws.

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