Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Re : Request to Update Personal Information and Remove Hard Inquiries Im writing this letter out of deep frustration and concern after reviewing my credit report and finding multiple errors that do not reflect who I am. The report currently shows several names and addresses that Ive never used or been associated with. This is alarming, and I need it corrected immediately. 
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX Please remove all other names and addresses from my file, as they are incorrect and may indicate potential identity theft or file merging. 
For the record, I only use one name and one address the ones listed above and reflected on my Passport and utility bill, both of which I have included for verification. Any other names or addresses on my file are inaccurate and need to be removed. 
To make matters worse, I have been personally impacted by the XXXX data breach, which has likely contributed to this inaccurate and unauthorized information being tied to my file. 

This breach is a serious violation of consumer trust and privacy, and I consider the inaccurate data showing on my credit file as a direct result of negligent data handling.

Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to protect the security and confidentiality of customer information. That obligation was clearly violated in this case, and the fallout is now reflected on my credit file without any fault of my own.

Additionally, I noticed hard inquiries on my credit report that I did not authorize. These are unacceptable and misleading. I never gave permission for these inquiries, and I demand they be removed. This entire experience has been stressful and feels like a violation of my privacy. I expect these issues to be taken seriously and resolved promptly. I ask that you investigate and permanently remove any information, including names, addresses, and inquiries, that can not be verified or do not belong to me.

Please send me confirmation once my file has been updated and corrected.

I also noticed hard inquiries on my report that I did not authorize. As you are aware, under : FCRA 604 ( a ) ( 3 ) Permissible purpose must exist for a hard inquiry.

FCRA 609 ( a ) ( 1 ) I have the right to know the source of the inquiry and to dispute unauthorized inquiries. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Enclosed are copies of the following documents for your verification : Passport Social Security card Recent Utility Bill ( light bill ) reflecting my correct address I am requesting the immediate deletion of all unauthorized hard inquiries that were not initiated or approved by me. 
Thank you for your attention to this urgent matter. 

Experian has incorrect information for my Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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