Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX LAW : FCRA XXXX ( c ) ( XXXX ), FCRA XXXX ( a ), FCRA XXXX ( a ) ISSUE : Incorrect and unrelated address being reported STORY : I have never lived at XXXX XXXX XXXX or had any connection to this location. This address does not appear on any lease, utility, employment, or official record related to my personal history. Its appearance on my credit report is highly concerning, as it suggests a potential data merge with another consumers file or a clerical error by a third-party data furnisher. Keeping this address on file damages my identitys accuracy and can lead to future reporting errors. I respectfully demand this address be deleted from my report immediately ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX LAW : FCRA XXXX ( c ) ( XXXX ), FCRA XXXX ( a ), FCRA XXXX ( a ) ISSUE : Unrecognized and inaccurate PO Box listed STORY : I have never rented, used, or been assigned XXXX XXXX XXXX in XXXX. This address is unfamiliar to me, and its appearance on my file is misleading and potentially harmful. I fear this could have resulted from identity confusion or error by a data furnisher. As this PO Box is not associated with me in any way, I demand it be removed from all parts of my credit report to ensure the integrity of my personal data The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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