Consumer complaint received 2025-09-07 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The credit reporting agencies and data furnishers have failed to ensure maximum possible accuracy as required by law and have allowed false, outdated, and damaging information to remain on my credit report, causing harm to my creditworthiness, financial opportunities, and peace of mind. Under FCRA 609, 611, and 623, I am requesting a full investigation, deletion of inaccurate information, and corrective action against the responsible parties.

Wrong Address Reporting ( Identity Mix-Up & FCRA Violation ) XXXX XXXX XXXX XXXX MI XXXX Wrong Address This address has no connection to me or my life history. Its presence on my credit file has caused confusion during financial reviews, and I have been questioned by lenders about living at a location I never resided in. This creates suspicion that I may be tied to accounts or debts that do not belong to me, and it damages my reputation. This type of reporting is careless and dangerous, making me vulnerable to identity theft and denial of legitimate credit applications. I have already faced delays in approvals and embarrassment during financial transactions because of this wrongful address. 
XXXX XXXX XXXX, MI XXXX Wrong Address This is another address that has been falsely attached to my credit report. Having multiple wrong addresses listed makes it appear as though I move frequently or maintain unstable residency, which paints a false and negative picture of me as a consumer. This hurts my ability to qualify for stable housing, competitive credit, and even employment opportunities that review credit reports. I never lived here, never used this address, and never gave permission for it to be reported. The harm is ongoing, and I feel as though I am constantly battling to prove my identity because of these repeated inaccuracies. 
Unauthorized/Improper Credit Inquiries ( Hard Pulls without Consent ) XXXX XXXX XXXX Inquiry Date : XXXX I did not authorize this company to access my credit report. This inquiry was done without my knowledge or consent and has already lowered my credit score unfairly. Having a law firm or collection agency inquiry on my file makes me look like I am in financial distress or being pursued for debt, even though this is not true. This type of reporting damages my credibility with lenders, landlords, and even employers. It creates unnecessary stress and makes me feel like my personal financial privacy has been violated. I never sought services or credit from this entity, so this inquiry should never have been allowed. 
My Story & Harm Caused I have been the victim of repeated inaccurate reporting, which has left me struggling with denials of credit, higher interest rates, and emotional stress due to my credit profile being compromised. Wrong addresses suggest fraud, while unauthorized inquiries make it appear as though I am seeking credit recklessly. These errors severely damage my ability to maintain financial stability, rent housing, and obtain fair lending terms. Despite my efforts to correct these issues, they continue to reappear, demonstrating negligence and lack of compliance with federal law by both the credit bureaus and furnishers. I am seeking CFPBs intervention to ensure accountability and full compliance with the FCRA. 
Requested Resolution 1. Immediate deletion of the wrong addresses listed above from my credit file 2. Removal of the unauthorized inquiries from XXXX XXXX XXXX and XXXX XXXX 3. Written confirmation from the credit reporting agencies and furnishers that these items have been permanently removed and will not be reinserted without proper certification as required under FCRA 611 ( a ) ( 5 ) ( B ) 4. Enforcement action against the furnishers and CRAs that allowed these violations

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