Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to bring to your attention several serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by consumer reporting agencies and furnishers. Despite previous disputes submitted directly to the credit bureaus, the following inaccurate, unverifiable, and unauthorized entries remain on my credit report, negatively affecting my financial standing, credit access, and mental well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Wrong Address Issue : I have never lived at this address and have no connection to it. 
Law : FCRA Section 607 ( b ) mandates consumer reporting agencies maintain maximum possible accuracy. This address is a clear violation. 
XXXX : The presence of this address resulted in accounts showing up on my file that arent mine. Ive been repeatedly questioned about my identity. XXXX being unfairly penalized for an address Ive never occupied. Please remove it at once. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$76.00} Charge Off Issue : I have never received any documentation, contract, or validation of this account. 
Law : FDCPA Section 809 ( b ) and FCRA Section 611 state consumers have a right to dispute any debt that can not be verified.

Story : I have no knowledge of this debt. No bill, no statement, and no proof of any transaction has been provided. This false charge-off is severely damaging my credit. This account must be removed as it is unverifiable and unvalidated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Charge Off Issue : This is a duplicate entry being reported under multiple identifiers. 
Law : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) prohibit inaccurate and duplicate reporting.

Story : This same account is showing up twice under different numbers. This is misleading and inflates my debt profile. Ive been denied credit because of this. The duplicate nature of this account must be corrected by full deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Charge Off Issue : I do not recognize this account. No validation was ever received. 
Law : FDCPA Section 809 requires written verification. FCRA 623 ( a ) ( 3 ) demands accuracy and verifiability.

Story : This charge-off has caused immense damage to my credit score and mental health. I never received a statement, bill, or contract regarding this account. It is either fraudulent or reported in error and must be deleted immediately. 
XXXX XXXX NA XX/XX/XXXX Inquiry Issue : Third duplicate inquiry from XXXX XXXXXXXX. 
XXXX : FCRA 604 ( c ) ( 1 ) prohibits unauthorized access.

Story : I never gave permission for multiple inquiries. My score is suffering due to inquiries I never approved. Please remove immediately. 
XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized pull.

Law : FCRA 604 ( e ) prohibits unauthorized hard pulls. 
Story : I did not apply for any loan through XXXX. This inquiry must be removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : No consent for inquiry. 
XXXX : FCRA violation. 
XXXX : This inquiry dropped my score significantly. I never authorized it. Remove it. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX done without application. 
Law : Violates FCRA Section 604 ( a ). 
Story : I never gave them authorization to access my report. Delete this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate unauthorized inquiry. 
Law : FCRA 604 prohibits it.

Story : This is the second entry from this company. I never applied or consented. Remove it now. 
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry. 
Law : FCRA 604 Story : I did not apply to XXXX XXXX XXXX XXXX. This inquiry damaged my credit profile. It must be removed. 
Requested Action from CFPB : I am requesting that the Consumer Financial Protection Bureau investigate these violations and hold the credit reporting agencies and furnishers accountable. I ask that you compel the CRAs to : Delete the above-listed wrong addresses from my credit report Remove the unverifiable, duplicate, and false accounts Delete the unauthorized hard inquiries Provide documentation and verification for any information they choose to retain These violations have caused me significant emotional distress, loss of credit opportunities, and disruption to my personal and professional life. I have followed proper dispute procedures and still have not received resolution. Your intervention is now required.

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