Consumer complaint received 2025-07-29 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:
Dear CFPB Representative, I am writing to file a formal complaint against the credit reporting agencies and data furnishers for knowingly and repeatedly reporting inaccurate addresses and allowing unauthorized credit inquiries on my credit file. These acts are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have caused me serious financial harm, emotional distress, and have jeopardized my ability to secure housing, credit, and employment. 
Below I have listed each disputed item along with detailed explanation, impact, and corresponding law violated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS This address has never been associated with me, and its listing on my credit file is both damaging and erroneous. I suspect this may be due to a file merge error or identity confusion. According to FCRA 605 ( b ), any information that can not be verified must be deleted. The continued appearance of this address despite prior disputes shows a failure of proper reinvestigation in violation of FCRA 611. This has caused confusion with lenders, incorrect mail delivery, and has created hurdles in housing applications and employment screenings. I demand this address be deleted and all records referencing it be purged. 
XXXX INQUIRY XXXX : XX/XX/XXXX UNAUTHORIZED INQUIRY I did not authorize this company to perform a credit inquiry on my file. I never submitted a credit application or gave permission to XXXX to access my credit report. Under FCRA 604 ( a ) ( 3 ), access to a credit file must be legally permissible and consumer-initiated. This inquiry was unauthorized, damaging to my score, and represents a breach of privacy. I demand removal of this inquiry from all bureaus and request the full method of verification used to justify this access under FCRA 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ). 
XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY This hard inquiry is not associated with any credit request made by me. I did not apply for credit with XXXX  or XXXX, and thus no permissible purpose under FCRA 604 ( a ) exists for this inquiry. I consider this an unauthorized access to my financial data and a violation of my federal rights. I demand immediate deletion and confirmation that this entry has been removed from all reports. Any refusal to remove may constitute willful noncompliance under FCRA 616 and expose the agency to civil liability. 
XXXXXXXX XXXX  INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I never authorized XXXX XXXX to pull my credit. This inquiry was neither initiated nor approved by me. Under FCRA 604 ( a ) ( 3 ) ( A ), only a consumer-initiated transaction gives a business the right to access a credit report. I suspect this may have been the result of an indirect or mistaken pull without proper consent. This unauthorized inquiry violates my privacy and has likely impacted my credit score. I demand its removal and written details of how this inquiry was verified. 
XXXX XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY This hard inquiry was done without my permission or application for credit. I am unfamiliar with this company, and I did not initiate any transaction. This is a violation of FCRA 604, and the presence of this inquiry without documentation constitutes unauthorized access. This activity should be reported to the FTC as unauthorized or possibly fraudulent. I demand its full removal from my file and expect an explanation of how and why it was posted. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I was never involved in any transaction with XXXX Credit or XXXX XXXX and did not give any form of consent for this inquiry. Under FCRA 604 and 609 ( a ) ( 1 ), I am entitled to a full explanation, which has not been provided. This inquiry is unauthorized, unjustified, and must be removed as it causes credit score damage and compromises my privacy. 
XXXX XXXX INQUIRY DATE : XX/XX/XXXX UNAUTHORIZED INQUIRY I have not applied for a XXXX XXXX credit card nor interacted with XXXX XXXX  to initiate such a process. This inquiry is unauthorized and unjustified and represents a breach of federal law under FCRA 604. I did not provide any verbal, written, or electronic authorization. I request removal of this inquiry and documentation proving how it was approved, if at all. If this can not be verified, it must be immediately deleted. 
REQUEST FOR CFPB ACTION The ongoing reporting of wrong addresses and unauthorized inquiries clearly violates multiple sections of the FCRA including 604, 607, 609, 611, 616, and 617. Despite numerous disputes and documented identity proofs, the credit reporting agencies and data furnishers have failed to take corrective action. This reflects willful negligence and systemic noncompliance. These errors are not only harming my financial standing but are also causing extreme emotional distress, financial exclusion, and reputational harm.

I am requesting the CFPB to : 1. Investigate all listed inaccuracies 2. Enforce immediate deletion of wrong addresses and inquiries 3. Require the furnishers and CRAs to provide documented verification for each item 4. Hold the parties accountable under applicable law for negligent or willful noncompliance 5. Monitor for further unauthorized access and mixed file activity

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