Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit report that are causing severe financial, emotional, and reputational harm. The reporting agencies and financial institutions listed below have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate disputed information ), 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and 604 ( a ) ( 3 ) ( unauthorized inquiries ). I demand immediate investigation, correction, and removal of these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Story : I have never resided at this location. Its reporting has caused repeated denials of credit applications and rental agreements. Financial institutions have requested unnecessary documentation to verify a false address. The misreporting is causing measurable stress, delays in obtaining credit, and additional financial burdens. This is a clear violation of 1681e ( b ) and failure to investigate disputes violates 1681i ( a ). I demand immediate deletion and written confirmation. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Story : I have never lived at this address. Reporting this false information has caused lenders to question my identity, resulting in repeated delays and denials of credit, as well as wasted time responding to verification requests. This constitutes a material inaccuracy under 1681e ( b ) and failure to investigate may be negligent under 1681o or willful under 1681n. Immediate removal and confirmation are required. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Story : I did not request or authorize this inquiry. Its reporting violates 604 ( a ) ( 3 ) and 1681i ( a ). Unauthorized inquiries harm my credit profile, delay credit approvals, and cause unnecessary stress and financial burden. Immediate removal and written confirmation are demanded. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Story : I did not request or authorize this inquiry. Its reporting violates 604 ( a ) ( 3 ) and 1681i ( a ). This inaccurate reporting is negatively affecting my creditworthiness, causing denial of credit, emotional stress, and financial harm. Immediate removal and written confirmation are demanded. 
Action Requested : I demand immediate investigation and deletion of all inaccurate addresses and unauthorized inquiries listed above. Each inaccuracy is causing real-world financial loss, reputational harm, and emotional distress. Continued reporting of these items may constitute willful or negligent violation of FCRA 1681n/o and may subject the reporting agencies and financial institutions to legal liability and monetary damages. I also demand that any credit decisions influenced by these inaccuracies be corrected and that I am notified of all steps taken to prevent further harm.

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