Consumer complaint received 2025-07-06 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: MI

Complaint narrative:
I am filing this formal complaint against Experian for their repeated failure to maintain accurate, verifiable, and complete information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. Despite multiple attempts to resolve these matters, Experian continues to report incorrect personal addresses, derogatory and inaccurate account information, and unauthorized hard inquiries. This continued negligence is causing me significant financial and emotional harm and directly impairs my ability to obtain credit, housing, and other basic financial services. 
XXXX XXXX XXXX XXXX, MI XXXX This address is inaccurately listed on my credit report. I have never lived at this residence and have no association with it. Reporting incorrect address information is a violation of FCRA XXXX XXXX XXXX XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX, MI XXXX I do not recognize this address and have never resided here. Its inclusion in my report is inaccurate and misleading. FCRA XXXX XXXX XXXX XXXX mandates reinvestigation of disputed information and correction or deletion if the information is found to be inaccurate or unverifiable. 
XXXX XXXX XXXX XXXX, MI XXXX This address is also incorrectly linked to my profile. I have not authorized the use of this address for reporting purposes. XXXX failure to verify and remove inaccurate address information violates my rights under FCRA XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which prohibits inclusion of information not related to the consumer. 
XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows a history of late payments that I dispute as inaccurate. I was never late on this account and have documentation to support my timely payments. Reporting false derogatory data like late payments violates FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ), which states furnishers of information may not report information that they know or have reasonable cause to believe is inaccurate. 
XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1200.00} This account is listed as charged off, which is inaccurate. I was not given proper notice or opportunity to dispute the charges before being sent to collections. This constitutes a violation of FCRA XXXX XXXX Code XXXX ( b ), as well as XXXX XXXX Code XXXX ( XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits reporting false credit information. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX dispute the validity of this collection. I never received validation of debt and was not notified before this was reported to Experian. The failure to validate debt and continued reporting violates FDCPA XXXX XXXX Code XXXX ( b ) and FCRA XXXX XXXX Code XXXX ( a ). 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4400.00} This collection is inaccurate and unverifiable. I have no knowledge of this debt and was not contacted or given the opportunity to dispute or resolve it. Reporting such unvalidated debt without proper investigation violates FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX XXXX Code XXXX ( XXXX ) ( A ). 
XXXX XXXX XX/XX/XXXX This is a hard inquiry that I did not authorize. I did not apply for credit with this entity on this date. FCRA XXXX XXXX XXXX XXXX ( c ) states a consumer report can only be accessed with a permissible purpose, and unauthorized access is a violation. 
XXXX XXXX XX/XX/XXXX This hard inquiry was made without my consent. I did not apply for credit from this company. This is a clear breach of FCRA XXXX XXXX XXXX XXXX ( f ), which restricts access to consumer reports to only those with permissible purpose. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and inaccurately reported. I have no current or past application with this entity. FCRA XXXX XXXX XXXX XXXX ( a ) has been violated by the unauthorized access of my consumer file. 
XXXX XXXX XX/XX/XXXX I did not initiate a credit application with this lender. The presence of this hard inquiry on my report violates FCRA XXXX and constitutes a serious breach of privacy. 
XXXX XXXX XXXX XXXXXX/XX/XXXX This is an unauthorized hard pull. I never applied for credit with this company. This inquiry violates FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX XX/XX/XXXX I have no application or consent on record for this company to access my credit file. This is a violation of FCRA XXXX and shows Experian failed to validate inquiry authorization. 
XXXX XXXX XXXX XX/XX/XXXX This is an unauthorized hard inquiry. I had no dealings or applications submitted to this company. This is another example of Experian failing to prevent unlawful access to my credit information, in violation of FCRA XXXX ( c ). 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for any loan or line of credit with this institution. Experian is responsible for ensuring the legitimacy of inquiries and failed to do so in this case, violating XXXX ( a ) and XXXX. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was not initiated by me. Experian should have confirmed permissible purpose before allowing this inquiry. This reflects a violation of XXXX ( f ). 
XXXX XXXX XXXX XX/XX/XXXX I dispute this unauthorized hard inquiry. Experian is again in violation of FCRA XXXX for permitting access to my consumer file without valid consent. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. I did not seek any credit or financial service from this entity on or around the reported date. This is a breach of my rights under FCRA XXXX ( a ). 
XXXX XXXX XX/XX/XXXX I never gave consent or made any credit application related to this inquiry. Experian failed to ensure that proper authorization existed, violating FCRA XXXX. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is a violation of FCRA XXXX and should be removed immediately as I never authorized it. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I had no interaction with this institution on the stated date, and this unauthorized inquiry is a violation of XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX never consented to this inquiry. XXXX lack of oversight and refusal to verify permissible purpose amounts to a violation of XXXX ( c ) and XXXX. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This is another unauthorized hard inquiry on my credit report. I did not initiate any credit application with this institution. It violates the FCRA XXXX. 
Due to these violations, I am demanding that Experian immediately delete all inaccurate addresses, remove all unverifiable and unauthorized hard inquiries, and investigate and correct all the disputed account information as outlined above. I also reserve the right to pursue legal action and seek damages under XXXX XXXX XXXX XXXX and XXXX for willful and negligent noncompliance.

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