Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple inaccurate, unverified, and unauthorized entries on my credit reports that are causing me severe emotional, financial, and personal harm. I have attempted to resolve these issues directly with the credit reporting agencies, but no satisfactory action has been taken. I am requesting the CFPB to assist in investigating and correcting the following issues, which include a wrong address, a falsely reported late payment, a collection account, and several unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : I have never lived at this address. This location is completely unfamiliar to me, and I have no connection to it whatsoever. Reporting this address on my credit report indicates a serious violation of data accuracy and possibly mixed file reporting. 
Law : Under FCRA 1681e ( b ), credit bureaus must maintain procedures to ensure maximum possible accuracy. Reporting addresses that are not mine demonstrates a failure of that obligation. 
Story : The presence of this address on my file has created confusion and may have allowed accounts or inquiries from unrelated individuals to be associated with my credit report. It raises the possibility of identity mix-ups, or worse, identity theft. I am requesting immediate deletion of this address from all files to prevent further damage to my creditworthiness and personal record. 
XXXX XXXX XXXX XXXX XXXX Collection Account * * Date Opened : XX/XX/XXXX | Balance : {$1000.00} Issue : This collection does not belong to me. I never received a notice from this collection agency nor do I have any recollection of the debt being collected. 
Law : Under FDCPA 809 ( b ), I am entitled to request validation of the debt. Additionally, under FCRA 1681i, credit bureaus must delete inaccurate or unverified information. 
Story : I contacted XXXX and the credit bureaus requesting full validation of this debt including the original creditor name, contract, and billing details and never received such documentation. Reporting unverified and potentially fraudulent debt harms my credit score and personal credibility. I believe this may be tied to a file merge or unauthorized use of my identity. I am requesting the immediate removal of this account from all credit bureaus and a full investigation into its origin. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was unauthorized. I did not apply for credit with XXXX XXXX or any associated entity on this date. 
Law : According to FCRA 604 ( a ) ( 3 ), a credit pull must have a permissible purpose and must be authorized by the consumer. 
Story : This inquiry is a red flag for potential identity fraud or internal data mismatch. I have no application record or communication with XXXX XXXX around this time. The damage from this unauthorized inquiry includes unnecessary dings on my credit score and the risk of someone else trying to open accounts in my name. I demand this inquiry be deleted and a source audit be provided to explain who accessed my report and why. 
XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Issue : I did not apply for any credit product from XXXX  XXXX XXXX on or near this date. This inquiry is unauthorized and should not be on my report. 
Law : FCRA 604 mandates that consumer credit information may only be accessed for specific permissible purposes and with the consumers knowledge and consent. 
Story : I suspect this inquiry may be a result of a data entry error or an unauthorized third-party pull. Repeated unauthorized inquiries not only violate my legal rights but reduce my credit score, harming my ability to obtain loans and other services. I request this be removed immediately and a detailed investigation be performed regarding its origin. 
XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry is unauthorized. I did not apply for any credit with XXXX or XXXX XXXX on or around this date. 
Law : FCRA 604 ( a ) requires permissible purpose and prior consumer authorization for any inquiry.

Story : The same day as the XXXX inquiry, this XXXX inquiry also appeared, which further suggests potential identity misuse or mixed credit file. I did not engage in any credit activity that would justify these inquiries. These entries are damaging to my score, unjustly affecting my financial opportunities. I request complete deletion of this inquiry and a full explanation of how this pull occurred. 
Conclusion : These inaccuracies are not only unlawful under FCRA and FDCPA but are also damaging my financial stability and emotional well-being. I request the Consumer Financial Protection Bureau 's assistance in ensuring all responsible parties including the credit bureaus and furnishers conduct proper investigations and provide written results. 
If the information can not be verified with documentation, I request immediate removal in compliance with FCRA 1681i. 
Thank you for your time and support.

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