Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
I am filing this formal complaint against Experian for multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate addresses, late payments, and unauthorized/inaccurate hard inquiries. These errors have severely impacted my credit profile and caused me emotional and financial distress. Despite previous efforts to resolve these issues with Experian directly, they have failed to take appropriate action. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct an immediate investigation into the following : Wrong Address Reporting by Experian ( Inaccurate Personal Information ) : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address does not belong to me and has never been associated with me. 
Violation : FCRA 604 ( c ), 607 ( b ) Requires credit bureaus to maintain accurate and verifiable personal information. Reporting addresses not associated with the consumer is a breach of this obligation. 
XXXX. XXXX XXXX XXXX XXXX, NC XXXX I have no connection with this XXXX XXXXXXXX. It is inaccurately being reported under my credit profile. 
Violation : FCRA 607 ( b ), 609 ( a ) ( 1 ) Furnishing unverifiable or incorrect address is a direct violation of the FCRA, impacting my creditworthiness and identification verification processes. 
Inaccurate Account Reporting : XXXX. XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX High Balance : {$28000.00} Issue : Late Payments Reported This account has multiple late payments reported which I believe are either inaccurately reported or not properly verified by Experian. I requested proper validation and documentation under FCRA and never received it. 
Violation : FCRA 611 ( a ), 607 ( b ), 602 ( A ) Experian is obligated to ensure all information is accurate and verified. Continued reporting of unverified or inaccurate derogatory items is a willful violation. 
Unauthorized or Inaccurate Hard Inquiries Reported Without Proper Consent : XXXX. XXXX XXXX XX/XX/XXXX I never authorized this inquiry, nor did I apply for any credit with this company on or around this date. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ), 604 ( c ) Hard inquiries require permissible purpose and consumer initiation. This inquiry was not initiated by me. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry or submit any credit application to XXXX XXXX XXXX at this time. 
Violation : FCRA 604 ( a ), 607 ( a ) Experian failed to confirm permissible purpose before allowing this inquiry. 
XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX These multiple inquiries from XXXX were not authorized by me. I have never had any dealings with them and did not give permission for credit pulls. 
Violation : FCRA 604 ( a ) ( 3 ) ( F ), 609 ( a ) ( 1 ) Reporting inquiries that lack consumer consent and proper documentation violates the requirement for accuracy and permissible purpose. 
XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with XXXX XXXXXXXX at this date. This inquiry is either fraudulent or an error that Experian failed to investigate. 
Violation : FCRA 604, 611 ( a ) Experian failed to investigate my dispute regarding this unauthorized inquiry. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not initiated by me, and I never submitted any application to Reprise Financial or XXXX. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ), 615 ( h ) This reflects a failure to maintain proper controls over access to my credit file. 
Requested Action by CFPB : Immediately investigate Experians failure to comply with the FCRA. 
Require Experian to permanently delete all the inaccurate addresses from my credit profile. 
Demand Experian to provide full documentation/proof of authorization for each of the listed hard inquiries. If they can not provide legally valid documentation, these inquiries must be deleted. 
Require Experian to investigate and correct or remove any unverifiable or inaccurate payment history for the XXXX XXXX account. 
Require Experian to pay damages, if applicable, under FCRA 616 and 617 for willful or negligent noncompliance. 
These repeated inaccuracies show gross negligence and disregard of federal consumer protection laws. I respectfully request CFPBs urgent attention to protect my consumer rights and ensure that Experian is held accountable.

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