Consumer complaint received 2025-08-13 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:
Summary of Complaint : I am filing this complaint because multiple credit bureaus and furnishers are reporting false addresses, inaccurate account information, and unauthorized inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA 604, 607, 611, and 623 ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA 809 ). These inaccuracies are causing significant harm to my creditworthiness, privacy, and peace of mind. 
XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address Issue : I have never resided at, conducted business at, or had any financial relationship tied to this address, yet it appears on my credit report. This is inaccurate and misleading.

Law : Under FCRA Section 605 ( b ) and Section 607 ( b ), credit reporting agencies are required to ensure all reported personal information is accurate and verifiable. Any unverifiable or incorrect information must be deleted. 
XXXX : The presence of this incorrect address has caused significant confusion in my financial profile. I have been wrongly associated with accounts and obligations that do not belong to me, leading to delays and denials in credit applications. This misinformation has harmed my personal and professional reputation. It has forced me to repeatedly prove my identity to lenders, employers, and landlords, wasting valuable time and causing me emotional distress, anxiety, and embarrassment in situations where I was treated as a potential fraud risk. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Wrong Address Issue : This completely unfamiliar address is attached to my record, which strongly suggests potential identity theft or file mixing. 
Law : FCRA Section 605 ( a ) prohibits the inclusion of inaccurate personal information in consumer reports. 
XXXX : The appearance of this address on my file has resulted in financial institutions treating me with suspicion. I have been denied approvals, subjected to extra verification procedures, and have had to explain over and over that I have no connection to this property. These repeated issues are emotionally exhausting and are affecting my ability to secure stable housing and employment opportunities. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX Charge Off Issue : The reported charge-off is inaccurate. There is no valid contract, agreement, or legally compliant verification from the creditor supporting this claim. 
Law : Under FCRA Section 609 ( a ) ( 1 ), I am entitled to the original contract and complete validation of the alleged debt. Without this, the entry must be removed. 
XXXX : This false charge-off has severely damaged my credit score, making it extremely difficult to obtain financing, competitive rates, or even secure basic necessities such as an apartment lease. I have been placed under undue financial stress and have had to endure the stigma of being labeled as someone who defaults on obligations. The reality is that this debt is either misreported or belongs to another individual. Carrying this incorrect negative mark is not only harmful to my financial health but also deeply humiliating in both personal and professional contexts. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not make any application with this company. 
Law : FCRA Section 604 ( a ) ( 2 ) violation. 
Story : These unauthorized inquiries have made it appear as though I am seeking excessive credit, which lowers my score and damages my credibility with lenders. 
XXXX XXXX XX/XX/XXXX XXXXnquiry Issue : Inquiry made without my consent. 
Law : FCRA Section 604 violation. 
XXXX : This has put my personal information at risk and has added unnecessary harm to my credit profile, increasing the possibility of future fraud attempts against me. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry made without my consent. 
Law : FCRA Section 604 ( a ) violation.

Story : My credit score and history have been negatively affected by this unauthorized action, and I am being placed at an unfair disadvantage in credit decisions. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : I never gave permission for this company to pull my credit report. 
Law : FCRA Section 604 ( a ) ( 2 ) prohibits such unauthorized access. 
XXXX : This has lowered my credit score, made me appear as a high-risk borrower to other lenders, and created additional stress in my financial life.

Relief Requested : I request that the CFPB : XXXX. Investigate each credit bureau and furnisher involved for violations of the FCRA and FDCPA. 
XXXX. Compel the removal of all false addresses from my credit file. 
XXXX. Order the deletion or full correction of the inaccurate XXXX XXXX account. 
XXXX. Require deletion of all unauthorized inquiries from my credit report. 
XXXX. Ensure all furnishers provide proper documentation before re-reporting disputed items.

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