Consumer complaint received 2025-10-08 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccuracies on my credit report that have caused significant harm to my financial reputation and opportunities. These inaccuracies violate federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Immediate investigation and correction are required. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is falsely reported on my credit report and has never been associated with me. Under FCRA Section 607 ( b ), credit bureaus must maintain accurate and complete personal identifying information. The inclusion of this address is misleading, can confuse lenders, and risks identity mix-ups. I have never resided, rented, or owned property at this location. No documentation exists linking me to this address. Reporting it repeatedly without verification constitutes a breach of the FCRA. This false information may have led to mistaken inquiries, denied applications, and misattributed financial obligations. The presence of this incorrect address reflects negligence and failure to follow reasonable procedures. I demand its immediate deletion from all credit files. Continued reporting of this inaccurate address constitutes willful violation of the law. My creditworthiness and financial reputation are being damaged. This address should be permanently removed from all credit reports under FCRA Section 611 ( a ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is inaccurately reported and does not belong to me. Section 607 ( b ) of FCRA requires credit reporting agencies to ensure that all identifying information is accurate and complete. Repeated reporting of this false address without verification is misleading to lenders and creditors. I have no historical connection or documentation proving residence at this location. The inclusion of this address exposes me to potential identity theft, misdirected correspondence, and wrongful credit inquiries. Furnishing or reporting false information constitutes willful noncompliance with federal law. This repeated inaccuracy directly affects my ability to obtain credit, as lenders may misattribute negative information to me. I request full reinvestigation and permanent deletion of this address. Continued reporting violates FCRA Sections 607 ( b ) and 611 ( a ). The presence of this address is both harmful and unauthorized. Immediate removal is demanded to prevent further financial harm. 

Inquiry : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This hard inquiry was made without my authorization and is unauthorized under FCRA Section 604 ( a ). I did not consent to this inquiry. Unauthorized inquiries reduce my credit score and misrepresent my credit activity. Under Section 609 ( a ) ( 2 ), I am entitled to information regarding any party accessing my report without permission. The presence of this inquiry is harmful, misleading, and legally invalid. It creates the appearance of additional credit activity that does not exist. Repeated reporting of unauthorized inquiries violates the FCRA and misrepresents my credit behavior. I request immediate deletion. This inquiry has already caused confusion among lenders and may have influenced credit decisions. I demand that XXXX XXXX  and the reporting bureau provide verifiable proof of authorization or remove this inquiry permanently. Continued failure to correct this information constitutes willful noncompliance with federal law. 

Inquiry : XXXX XXXX XX/XX/XXXX This hard inquiry is unauthorized and was made without my knowledge or consent. FCRA Section 604 ( a ) prohibits any credit reporting without explicit permission. Unauthorized inquiries adversely affect my credit score and access to credit. I have not applied for or authorized any credit product from XXXX XXXX at this time. Reporting this inquiry is misleading, harmful, and legally invalid. The credit bureau has a duty under Section 611 ( a ) to reinvestigate any unverifiable or disputed information. Repeated unauthorized reporting violates federal law. This inquiry may influence lending decisions and misrepresent my financial behavior. I demand its immediate removal. Failure to correct this inaccuracy constitutes willful violation of the FCRA. Immediate action is required to protect my credit profile. 

These inaccurate addresses, unauthorized inquiries, and unverifiable accounts violate multiple sections of the FCRA and have caused tangible harm. I request that CFPB ensure these items are fully investigated, verified, and removed if unverifiable. Immediate action is required to protect my rights and restore the accuracy of my credit profile.

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