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: CA

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 XXXXXXXX Law : FCRA 609 ( a ) Right to Full Disclosure ; FCRA 611 Duty to Reinvestigate Issue : This address is inaccurate and not associated with me ; it may be the result of a mixed file or reporting error Story : I have never lived at or received mail at this address ; it is likely linked to another consumers file, and continued reporting can lead to identity confusion and wrongful account association ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 609 ( a ) Right to Full Disclosure ; FCRA 611 Duty to Reinvestigate Issue : Address reported is incorrect and unrelated to my personal residence history Story : I have no lease, bills, or any record connecting me to this address ; inaccurate address reporting increases the risk of false account linkages and potential fraud INQUIRY XXXX  XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Inquiry posted without my authorization Story : I never applied for credit with this company on the date listed, and this hard inquiry is lowering my score without a valid permissible purpose INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Unauthorized hard inquiry Story : I did not grant permission for this creditor to access my credit file, making this inquiry invalid under the FCRA INQUIRY XXXX XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Hard inquiry without my consent Story : I have no record of initiating a transaction or application that would justify this inquiry, and it must be removed immediately INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Unauthorized credit pull Story : I did not apply for any product or service on this date ; the inquiry is inaccurate and should be deleted INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA 611 Duty to Reinvestigate Issue : Unauthorized inquiry Story : I did not initiate any credit request on this date ; this inquiry is not supported by any valid permissible purpose INQUIRY XXXX XXXX XX/XX/XXXX Law : FCRA 604 Permissible Purpose ; FCRA XXXX Duty to Reinvestigate Issue : Inquiry posted without my permission Story : I did not authorize this creditor to review my credit file ; it is negatively affecting my score without justification 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