Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
To Whom It May Concern this is a formal complaint filed with the Consumer Financial Protection Bureau regarding serious inaccuracies on my credit report that are causing me harm and distress the information being reported is not only outdated but also misleading and does not accurately reflect my financial conduct I am disputing the following address and accounts which are appearing on my credit report without my authorization or are being inaccurately reported despite previous attempts to correct them I am now seeking the intervention of the CFPB to enforce my rights under federal law and demand a reinvestigation and immediate correction. 
XXXX XXXX XXXX XXXX XXXX  LONG BEACH, CA XXXX Wrong Address Law : FCRA XXXX ( b ) Reasonable procedures to assure maximum possible accuracy Issue : This address does not belong to me and is being inaccurately reported on my credit file Story : I have never lived at or been associated with this location and its presence on my credit file is creating confusion in my identity and increasing my risk for misidentification this entry is likely a result of merged files or mixed credit profiles and is severely affecting my creditworthiness I am requesting its complete removal from all credit bureaus reporting this address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wrong Address Law : FCRA 1681e ( b ) Reasonable procedures to assure maximum possible accuracy Issue : This address is not mine and is being incorrectly reported in my file Story : I have no history of ever residing at or being associated with this property this is a critical error that creates a misleading view of my housing history and identity I suspect this may be due to a clerical error or identity confusion and it is damaging my profile this must be deleted immediately from all systems and no longer associated with my name XXXX XXXX XXXX  Inquiry XX/XX/year> Law : FCRA 1681b ( c ) Permissible purpose for obtaining a consumer report Issue : This was an unauthorized hard inquiry made without my consent Story : I did not authorize or initiate any credit application with XXXXXXXX XXXX XXXX on or around XX/XX/year> this unauthorized access to my credit file is a direct violation of federal law and is harming my credit score I take this very seriously and demand its permanent deletion from my file to prevent further harm to my consumer rights and reputation I am requesting the CFPB to intervene and enforce my rights under the Fair Credit Reporting Act to ensure that all disputed items above are properly investigated corrected or deleted I request documentation of the reinvestigation process and a written response confirming the final outcome of each dispute I am prepared to escalate this matter legally if the inaccuracies are not resolved in compliance with federal law.

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