Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being violated by the credit bureaus and furnishers reporting inaccurate and unverifiable information. My personal and financial reputation is being harmed by the continued reporting of wrong addresses, charge-offs, and hard inquiries that I never authorized. I am requesting CFPB to step in, investigate these issues, and ensure compliance with FCRA 602, 607 ( b ), and 611 ( a ) which require maximum possible accuracy and proper reinvestigation of disputed items. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is completely inaccurate and not part of my personal or financial history. I have never resided at this location nor used it for any credit or service application. Associating me with this address creates a mixed credit file issue which violates FCRA 607 ( b ) requiring maximum possible accuracy. This incorrect information can cause lenders to question my identity and create suspicion about my creditworthiness. I have provided documentation in my earlier disputes proving my actual residence history. Continuing to report this address after notice is considered willful noncompliance under FCRA 616. Keeping this address linked to me increases the risk of identity theft, as it falsely ties me to locations where I have no connection. You are legally obligated under FCRA 611 ( a ) ( 5 ) to delete unverifiable information, therefore I am demanding the permanent removal of this address from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is also not mine and its appearance on my credit report is damaging and misleading. I have never lived at this location nor received any bills, employment documents, or bank statements tied to it. By associating this incorrect address with my profile, your system is failing to maintain accurate consumer reporting as mandated by FCRA 602 ( a ). This incorrect reporting affects my ability to pass credit and rental applications, creating unnecessary denials and higher interest rates. The FCRA clearly requires that only verified and accurate information remain on a consumer file, and failure to correct this error may be seen as negligent or willful under sections 616 and 617. I have provided proof of my current and previous addresses, and yet this wrong entry is still being reported. I demand that you delete this address immediately and confirm its removal in writing as part of your reinvestigation results. 

Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was conducted without my signed authorization or consent. FCRA 604 ( a ) clearly states that a permissible purpose is required for any hard inquiry, and I never applied for credit with XXXX XXXX XXXX XXXX on or near this date. The presence of this unauthorized inquiry lowers my credit score and gives lenders a false impression that I am seeking excessive credit, which is a direct harm to me as a consumer. Under FCRA 607 ( b ), you are required to ensure maximum accuracy in all information you report. If this inquiry can not be validated with a signed application and permissible purpose documentation, it must be permanently deleted under FCRA 611 ( a ) ( 5 ). 

XXXX XX/XX/year> This hard inquiry is not connected to any credit application I initiated. I have never signed any credit authorization with XXXX on or around this date, meaning this inquiry is a violation of FCRA 604 ( a ) ( 3 ). Unauthorized inquiries are considered damaging because they affect credit scoring models and portray me as a higher credit risk. Continued reporting of this unverified inquiry after notice could constitute willful noncompliance under FCRA 616. I am requesting that you conduct a full reinvestigation and delete this inquiry if it can not be verified with proper documentation. 

XXXX XXXX XXXX XXXXXX/XX/year> I dispute this inquiry because I never applied for credit or gave written consent to XXXX XXXX XXXX to access my credit report on this date. Under FCRA 604 ( a ) ( 2 ), a consumer report may only be furnished when there is a legitimate credit transaction initiated by the consumer. No such transaction exists in this case. Keeping this inquiry on my file harms my creditworthiness and constitutes a violation of my rights under FCRA 611. Please remove this inquiry unless you can provide proof of permissible purpose. 

XXXX XXXX XX/XX/year> This inquiry appears on my credit report without my permission, and I have never applied for credit with XXXX XXXX. FCRA 604 and 607 require that consumer reporting agencies furnish credit reports only for permissible purposes and maintain accuracy. Reporting this unauthorized inquiry damages my score and suggests activity that did not occur. Under FCRA 611 ( a ) ( 1 ), I have the right to request reinvestigation, and under 611 ( a ) ( 5 ), you must delete information that can not be verified. 

XXXX XXXX XXXX XX/XX/year> I have no existing or past relationship with XXXX XXXX and never gave authorization for this hard inquiry. An inquiry reported without my consent is a violation of FCRA 604, which protects consumers from unauthorized access to their credit file. The presence of this inquiry is misleading, lowers my credit score, and could be viewed as negligent reporting under FCRA 616. Please investigate thoroughly and delete this item if there is no permissible purpose supported by signed documentation. 

XXXX XXXX XX/XX/year> This inquiry is completely unauthorized and is not tied to any credit transaction that I initiated. Under FCRA 604 ( a ) ( 3 ), there must be a permissible purpose for pulling my credit report, and none exists for this entry. Each day this inquiry remains on my file it unfairly impacts my credit score and violates my rights as a consumer. I am demanding its immediate deletion under FCRA 611 and confirmation of removal in writing. 

XXXX XXXX XXXX XXXX  I dispute this inquiry because I never applied for credit with XXXX XXXX XXXX. An unauthorized hard pull is a violation of my rights under FCRA 604 and should not be reported as part of my credit history. This inquiry is harming my score by creating the impression that I am actively seeking new credit when I am not. If you can not verify this inquiry with proper evidence of permissible purpose, you are legally required to remove it under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XX/XX/year> This inquiry does not belong to me and was not authorized by me. FCRA 604 ( a ) ( 3 ) and 607 ( b ) require that credit inquiries be made with consumer consent and reported accurately. Continuing to report this entry is a violation of those duties. The existence of this inquiry causes real damage to my credit profile, and therefore I demand its removal under FCRA 611 unless it can be verified with proper authorization documents. 

I am asking CFPB to enforce my rights under the Fair Credit Reporting Act, hold the credit bureaus and furnishers accountable for failing to maintain maximum possible accuracy, and compel them to delete these inaccurate addresses, unverifiable charge-off account, and unauthorized inquiries from my credit report. These errors are causing significant harm to my credit reputation and financial life, and I am entitled to accurate reporting under 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