Consumer complaint received 2025-07-15 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 submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA 611 ( a ) Issue : Address appears due to a reporting error Story : This address was never associated with me or my financial activities and must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX Address Law : FCRA 602 ( a ) Issue : Inclusion of unverifiable information Story : This listing is not accurate and misrepresents my residency history causing me reputational and lending harm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/year> Balance : {$700.00} Collection * * Law : FDCPA 809 ( b ) and FCRA 611 ( a ) Issue : Failure to validate debt and provide medical debt documentation Story : This medical collection is unknown to me and no communication or billing was received prior to reporting It must be deleted unless validated with all legal documentation XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 ( a ) ( 3 ) ( F ) Issue : Inquiry appears without valid purpose Story : No application was submitted to XXXX XXXX therefore this inquiry is not permissible and must be deleted XXXX XXXX XXXX XXXX Dated XX/XX/year> Law : FCRA 604 ( a ) ( XXXX ) ( A ) Issue : No permissible purpose Story : I never requested any loan or service from XXXX and did not consent to this inquiry XXXXXXXX XXXX XXXX XXXX Inquiry Dated XX/XX/year> Law : FCRA 604 ( a ) ( 3 ) ( A ) Issue : Credit pull done without my consent Story : I did not authorize XXXX XXXX XXXX XXXX to access my credit report and request that this unauthorized inquiry be removed I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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