Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian due to their persistent and willful reporting of inaccurate, incomplete, and unverifiable information on my credit report. These errors are causing significant harm to my financial well-being and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite previous disputes, XXXX  has failed to investigate or correct the false entries. I am now escalating to the Consumer Financial Protection Bureau to demand immediate enforcement of my rights. Below is a breakdown of each inaccurate entry : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is not associated with me at any point in time. I have never lived, worked, or conducted any financial business from this location. XXXX XXXXs reporting of this address is completely erroneous and misleading. 
Law : FCRA 1681e ( b ) XXXX is required to maintain maximum possible accuracy. Reporting this wrong address demonstrates negligence and creates the risk of mixing my credit data with another individual 's.

Story : Due to this false address, lenders have questioned my identity during credit checks, and I've been flagged for possible fraud. This has delayed credit approvals and caused emotional distress. Ive submitted utility bills, lease agreements, and my ID to show my real addresses, but XXXX ignored it. 
Address : XXXX XXXX XXXX  CA XXXX Issue : This is another incorrect and unrecognized address appearing on my credit report.

Law : FCRA 1681e ( b ), 1681i ( a ) XXXX must delete inaccurate data after a reinvestigation. Despite multiple requests and evidence, they have failed to remove this false address.

Story : Having unverified addresses listed suggests potential identity theft or file contamination, and this creates mistrust between me and lenders. I have no ties to this location, yet my profile continues to carry this error. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge-Off * * Issue : This account is being inaccurately reported as a charge-off despite showing a {$0.00} balance. A charged-off status with no balance is contradictory and misleading. 
Law : FCRA 1681e ( b ) requires accuracy in reporting. 1681i ( a ) failure to reasonably investigate disputed information. 1681s-2 ( b ) furnishers must correct or delete inaccurate data. 
Story : I disputed this account with proof that the account was settled and closed. XXXX  failed to correct the charge-off status, even after the creditor confirmed the balance is {$0.00}. The false charge-off is damaging my credit score and reputation. It implies I defaulted when I didnt, which has led to denial of loans and employment setbacks. 
Inquiry : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Issue : I never interacted with Ally Financial or authorized a credit pull.

Law : FCRA 1681b ( f ) Story : Multiple lenders are running unauthorized inquiries, possibly due to incorrect addresses on my profile. XXXX negligence in protecting and validating my file is unacceptable. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : No permission was granted for this inquiry. 
Law : FCRA 1681b ( f ) Story : These unverified inquiries are damaging my score and credibility. I reached out to XXXX and they confirmed no recent application was made. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : No credit application from my side. 
Law : FCRA 1681b Story : This inquiry could result from file confusion due to the inaccurate addresses listed earlier. XXXX has not secured my file from being accessed improperly. 
Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 1681b ( f ) Story : I never attempted to open an account with this credit union. This inquiry misrepresents my credit behavior. 
Inquiry : XXXX XXXX XXXXXXXX : XX/XX/XXXX Issue : Never applied for credit with them Law : FCRA 1681b Story : Repeated errors like this one show XXXX lack of internal controls and failure to protect consumer data. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unsolicited hard inquiry Law : FCRA 1681b Story : These errors are piling up and giving a false narrative to lenders about my borrowing habits. 
Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Issue : I did not authorize this Law : FCRA 1681b Story : This company had no reason or right to access my credit. The inquiry was made without my knowledge. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 1681b Story : This continued exposure of my credit file without justification has caused me emotional distress and financial harm.

Inquiry : XXXX XXXX  Date : XX/XX/XXXX Issue : Same as above Law : FCRA 1681b Story : XXXX repeated failure to filter unauthorized access shows a breach of consumer trust. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Duplicate unauthorized inquiry Law : FCRA 1681b Story : XXXX is showing up multiple times without justification. These inquiries collectively dropped my score and suggest potential identity misuse. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : No application was submitted Law : FCRA 1681b Story : I never applied for an XXXX line with XXXX, and yet XXXX  allowed the inquiry. This suggests a breach of my file or error in address matching. 
Story : These unauthorized pulls are impacting my ability to secure housing and auto loans due to " excessive inquiriesXXXX XXXX XXXX  has failed to meet their responsibilities under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and 1681b. Their neglect in verifying information and securing my file from unauthorized access has caused severe and ongoing damage to my credit profile and personal life. I respectfully ask that the CFPB enforce compliance, require XXXX  to delete all inaccurate addresses, correct or delete the misreported account, and remove all unauthorized inquiries listed above. I am requesting a full investigation into these matters and appropriate regulatory penalties for XXXX failure to uphold the law.

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