Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple inaccuracies and potentially unauthorized activities on my Experian credit report. Despite following the dispute process with Experian, these issues remain unresolved and continue to cause serious harm to my credit profile and peace of mind. I am relying on your agencys oversight to ensure compliance with federal law and protection of my consumer rights.

Details of My Complaint 1. Wrong Addresses Listed on My Experian Report XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Nature of the Problem : These addresses are not associated with my identity in any way. I have never lived at, used, or been affiliated with either address. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate and up-to-date personal information. The presence of incorrect addresses raises concerns about possible file mixing or identity theft. Experian has not provided any documentation proving my connection to these addresses, despite my dispute. 

2. Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Nature of the Problem : These credit inquiries were made without my knowledge, consent, or any application on my part. FCRA 604 ( a ) states that consumer reporting agencies can furnish a credit report only for permissible purposestypically with my written authorization. I have not provided such consent or initiated credit applications with these institutions. Experian has not given any evidencesuch as signed applications or proof of permissible purposedespite my repeated requests. These unauthorized inquiries are negatively affecting my credit score and have heightened my concerns about misuse of my personal information.

Legal References Relevant to My Complaint FCRA 611 ( 15 U.S.C. 1681i ) : Grants consumers the right to dispute and demand investigation for inaccurate or incomplete information.

FCRA 603 and 605B : Requires credit bureaus to ensure personal data is correct and promptly resolve identity-related errors.

FCRA 604 ( a ) : Mandates written consent or a clear permissible purpose for inquiries ; any unverifiable inquiry must be removed.

FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) : Establishes liability for negligent or willful violations by consumer reporting agencies.

My Experience and Why I Am Requesting CFPBs Help I have been diligent in monitoring my credit file, safeguarding my personal data, and following the dispute steps with Experian. The unresolved presence of incorrect addresses and unauthorized inquiries makes me extremely anxious about the security of my information and the fairness of my credit standing. I have not been provided with sufficient documentation or investigation results by Experian, as required by law. These ongoing issues are thwarting my access to fair credit opportunities and causing personal distress.

Requested Action by CFPB I respectfully request that the CFPB : Intervene and compel Experian to conduct a full investigation into all disputed entries.

Require Experian to immediately remove the incorrect addresses if they can not be substantiated.

Order the deletion of all unauthorized or unverifiable hard inquiries.

Ensure I am provided clear documentation regarding all findings and outcomes.

Monitor Experians compliance in correcting my credit file, as mandated under the FCRA.

Thank you for your attention and assistance in protecting my rights as a consumer. Please let me know if you require supporting documentation or additional details to process this complaint.

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