Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 607 ( b ) Maximum possible accuracy ; FCRA 611 Duty to reinvestigate Issue : This address is not mine, never belonged to me, and is being falsely reported.

Story : This wrong address is linking me to accounts and inquiries that are not mine, creating a false credit profile. I have no residency history at this address and the bureau has failed to provide verifiable documentation proving it belongs to me despite prior disputes. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA 607 ( b ) ; FCRA 611 Issue : This address is inaccurate and unverified. Story : I have never lived at or been associated with this address, yet it continues to appear in my credit file. This misreporting is leading to wrongful association with accounts and inquiries, and the bureau has no
t provided any signed lease, utility bill, or official document linking me to this location.

Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6000.00} Late Payment Law : FCR

A 607 ( b ) ; FCRA 609 Right to information ; FCRA 611 Issue : This account is reporting late payments that are inaccurate and unverifiable. Story : I requested full payment history, original signe
d contract, and account ownership proof, but the bureau has failed to produce any documentation. Continued reporting without verification is a violation of my consumer rights and is damaging my creditworthiness.

Inquiry XXXX XXXX XXXX XXXX Law : FCRA 604 ( a ) ( 2 ) Permissible purpose ; FCRA 607 ( b ) Issue : Unauthorized hard inquiry.

Story : I did not apply for credit or authorize this pull. The bureau has failed to validate permissible purpose, yet continues to report it.

Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) ; 611 Issue : Unauthorized inquiry.

Story : No application was made by me to this company. This is harming my credit score and should be removed immediately.

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : No permissible purpose.

Story : I have never had any dealings with this entity, and the inquiry was done without consent.

Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized inquiry. 
Story : I did not give consent for this credit check. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized. 
Story : This inquiry is harming my score and has no permissible purpose. 

Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : I have no account or application with this entity. 

Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized.

Story : I never applied for credit with this business. 

Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : This inquiry is unverified and harming my credit score. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized. 
Story : No consent or application was given. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : Inquiry conducted without my permission. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : No permissible purpose. 
Story : I have no relationship with this company. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : This credit pull was done without my authorization. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized.

Story : I have no account with this company. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : This inquiry is false and damaging my credit. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized.

Story : I never gave consent for this inquiry. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : Inquiry made without my consent or application. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized.

Story : No permissible purpose exists. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized.

Story : I did not apply for credit here. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized. 
Story : This is harming my credit file and is unverified. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : Inquiry made without permissible purpose. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized.

Story : I did not apply for credit here. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized.

Story : No permissible purpose was provided. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized. 
Story : This inquiry was done without consent. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. 
Story : No authorization was given. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 607 ( b ) Issue : Unauthorized. 
Story : Inquiry made without permissible purpose. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ; 611 Issue : Unauthorized. Story : This inquiry was not approved by me. The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my
ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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