Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Incorrect Address Law : FCRA 605 ( b ), 611 ( a ) Story : I have never lived at this address and have no connection to it. Its inclusion is damaging and reflects inaccurate identifying information which affects my creditworthiness. I request its permanent removal. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA 605 ( b ), 611 ( a ) Story : I have never resided at this address and it does not belong on my credit profile. Please investigate and delete this immediately. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Charge-Off Status Reporting Law : FCRA 605 ( a ), 611 ( a ), 623 ( b ) Story : This account was either resolved or not authorized in the current form shown. The balance and charge-off status are inaccurate. I demand verification or deletion if validation can not be provided within 30 days as required by law. 
XXXX XXXX  XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 611 ( a ) Story : I did not authorize this hard inquiry nor did I apply for any credit with this company on this date. This is a violation of permissible purpose standards. 
XXXX XXXX XXXX CO XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 611 ( a ) Story : This inquiry was done without my consent or legitimate business need. I request immediate deletion under FCRA. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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