Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXXXXXX XXXX XXXXXXXX Address Issue : This address has been incorrectly added to my credit report and does not accurately match my identity. This false address has caused confusion and made it difficult for me to maintain my credit score correctly. 
Law : According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ), consumers have the right to have accurate information reported, and having an incorrect address is a violation of the FCRA. 
Story : In XX/XX/XXXX, I first noticed that strange addresses were appearing under my name. As a result, I was denied an important loan, which caused both personal and client-related issues. 
Demand : I demand that this incorrect address be removed immediately and that the concerned agency correct my report in accordance with the FCRA. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Issue : This account by XXXX XXXX XXXX does not match my identity or residential address, and I never took out any loan of this amount. According to the Fair Debt Collection Practices Act ( FDCPA ), reporting any account without proper verification or with false information is a serious legal violation. 
Story : When I checked my credit report, I found a collection account reported under XXXX XXXX XXXX, which included an old and unfamiliar address plus loan information entered without my permission. This is a clear breach of federal law and has put my financial situation at risk due to inaccurate information on my credit report. I hereby demand immediate correction and a full investigation. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67.00} Issue : This XXXX XXXX account does not match my current address or identity ; it has been wrongly reported due to the credit reporting agency 's negligence. 
Law : Both FCRA and FDCPA require that no charge-off be added to anyone 's credit report without proper evidence and verification. 
Story : Even though the charge-off amount is small, it has significantly impacted my credit score. On inquiry, I found the account matched an old address where I never lived, showing identity confusion or reporting error. I demand swift investigation and correction. 

XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Issue : Recent collection entry, but I never held any bill or loan under this account. The addresses and dates shown in the report are not aligned with the facts. 
Law : Under FDCPA/FCRA, any unauthorized or inaccurate information must be promptly removed. 
Story : A recent hard inquiry revealed a new collection entry from XXXX XXXX that does not match my name or address, proving grave negligence in data verification. 

XXXX XX/XX/XXXX Issue : Unknown to me ; legitimacy of inquiry is very doubtful. 
Law : Outside the bounds of FCRA. 
Story : Such unexplained inquiries are damaging my credit reputation. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Same case ; not familiar with the creditor. 
Law : Consent is compulsory under FCRA. 
Story : Not my creditor, entry should be removed. 

XXXX XXXX XX/XX/XXXX Issue : Same as previous unfamiliar inquiries. 
XXXX : Unauthorized, legally should be removed. 
Story : Identity confusion. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry added due to missing authorization with XXXX Credit processor. 
Law : Improper bureau access. 
Story : Unauthorized soft or hard pull. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Same as previous XXXX  XXXX, unauthorized. 
Law : Breach in identity and consent verification. 
Story : Unjustified. 

XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry without consent. 
Law : Needs investigation. 
Story : Hard inquiry is risky. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Removal required. 
Story : Never made any application. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Another duplicate, prior XXXX. 
Law : Intrusion without reason. 
Story : Suspected scam or fraud. 

XXXX XXXX XX/XX/XXXX Issue : No application ever given, inquiry is unjustified. 
Law : Dispute is necessary. 
Story : Lowering credit score without cause. 
Requested Relief : I am requesting XXXX XXXX immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : XXXX. Delete the wrong addresses from my credit report. 
XXXX. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
XXXX. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. 
XXXX. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
XXXX. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

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