Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I am submitting this formal complaint due to numerous and severe violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning my consumer credit report. These include the inaccurate reporting of addresses I have never lived at, unauthorized and unverifiable collection accounts, outdated derogatory items, and unauthorized credit inquiries. These false entries are causing significant emotional distress and financial harm, and I am requesting urgent corrective action. 

Personal Background and Impact : In early XXXX, I was denied a personal loan that I needed to support my daughters transition to college. That denial prompted me to check my credit report, which left me devastated. I discovered an alarming number of addresses that were completely unfamiliar to me, collection accounts I never opened, and several hard inquiries I did not authorize. This has led to embarrassment, disrupted financial planning, and loss of opportunities I had worked hard to secure. I take my credit seriously, and it is profoundly unfair to be penalized based on misinformation and likely mixed files or identity errors. 

Inaccurate and Unauthorized Addresses : The following addresses are not and have never been associated with me. Their presence constitutes false reporting and raises grave concerns about file mixing or identity theft. These must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Accounts : These accounts are inaccurately attributed to me and must be permanently removed : XXXX XXXX XXXX ( original creditor : XXXX ), Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} This account is false. The date is also futuristic, indicating fabrication or data error. XXXX has no such record under my identity. 

XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} I have never opened or authorized any loan through XXXXXXXX XXXX XXXX This appears to be either fraud or a mixed file issue. 

XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} This is a zero-balance utility item still reporting negative activity beyond the FCRAs 7-year limit. 

XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Also an outdated, zero-balance item that should be removed under FCRA 1681c . 

Unauthorized Credit Inquiries : I did not authorize the following inquiries. Under FCRA 1681b, a permissible purpose is required. These entries violate my rights and have harmed my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( three inquiries ) XX/XX/XXXX Requested Resolution : Immediate deletion of all incorrect addresses, unauthorized accounts, and inquiries. 

Permanent suppression of outdated and XXXXbalance derogatory entries. 

Correction of file mix issues or erroneous identity linking. 

These violations of FCRA 1681e ( b ), 1681i, and 1681b are causing measurable harm. I reserve the right to pursue damages under 1681n for willful noncompliance. 

Thank you for investigating and resolving this matter promptly.

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