Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal complaint against the credit reporting agencies and furnishers who have reported inaccurate addresses, unauthorized inquiries, and damaging accounts on my credit file. I believe these errors are the result of negligence, inaccurate reporting practices, possible identity theft, or mixed file issues. Despite prior disputes, these harmful entries remain unresolved. I am now submitting this complaint to the CFPB to seek resolution under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

WRONG ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Wrong Address Issue : This address does not belong to me and was never associated with any of my financial, employment, or residential history. Its inclusion is a misrepresentation of my identity. 
Law : Violates FCRA 1681e ( b ) CRA must follow reasonable procedures to ensure maximum possible accuracy. 
Story : I have never lived at or been affiliated with this location. I fear this is due to either identity theft or a mixed file issue. This misinformation is damaging my credit profile and causing anxiety every time I apply for credit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Address listed is false and misleading ; it is not and was never connected to my identity. 
Law : FCRA 1681c mandates removal of outdated or incorrect information.

Story : I was shocked to see this on my report. It may be due to someone elses activity being wrongly tied to me. This could result in wrongful denials of credit. 
NEGATIVE ACCOUNTS : XXXX XXXX  XXXX Collection Balance {$740.00} Date Opened : XX/XX/XXXX Issue : Collection reported without prior communication, validation, or proof of debt. 
Law : FDCPA 809 ( a ) requires validation of debt upon request. FCRA 1681i mandates reinvestigation of disputed data. 
Story : I never received any notice about this debt before it went to collections. I am unfamiliar with this company and believe this may be identity-related or due to reporting errors. It is hurting my credit score and my chances at securing necessary services. 
XXXX XXXX XXXX XXXX  XXXX Late Payment High Balance : {$530.00} Date Opened : XX/XX/XXXX Issue : Late payment inaccurately reported. I was under financial hardship. 
Law : CARES Act + FCRA 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accommodations accurately. 
Story : I entered a hardship program and expected leniency or updated reporting. Reporting me as late despite communication and agreement is harmful and unjust. I request a corrected update or removal. 
UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Credit inquiry not authorized or initiated by me. 
Law : FCRA 604 Accessing consumer reports requires written consent. 
Story : I never applied for any account with XXXX XXXX This is either an error or evidence of data misuse, which must be investigated and deleted. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Issue : Credit report accessed without permissible purpose. 
Law : FCRA 604 ( a ) ( 3 ) applies violation without consent.

Story : I had no business interaction with XXXX XXXX on that date. This inquiry is unauthorized and is negatively impacting my score and credit decisions. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 No permissible purpose proven. 
Story : I did not seek credit from XXXX XXXX. The inquiry appears to be a mistake or fraudulent and needs to be deleted. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Issue : Inquiry added without any formal credit request. 
Law : FCRA 604 Requires specific consent. 
Story : I had no intention of applying for an auto loan on that date. This is an error and must be removed from my report to avoid further damage. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry added under false or unauthorized pretense. 
Law : FCRA 604 ( a ) ( 3 ) No proof of permissible purpose.

Story : This inquiry concerns me greatly. I never interacted with XXXX and request this be investigated for fraud or unauthorized access. 
XXXX XXXX XX/XX/XXXX Issue : Credit inquiry is unauthorized. 
Law : FCRA 604 CRA must confirm legal access to credit file.

Story : This financial institution is not one I engaged with. Their credit pull may be tied to a dealer or third party without my consent. It is damaging and must be removed. 

Final Statement & Request Due to the severe and harmful nature of these inaccuracies, I request the CFPB to : Investigate all the unauthorized inquiries Remove the wrong addresses permanently Fully validate or remove the inaccurate accounts Ensure all reporting complies with FCRA and FDCPA Prevent further harm to my credit standing I am suffering reputational, emotional, and financial hardship due to this false information. I respectfully urge you to enforce compliance and hold the reporting agencies and furnishers accountable. 
Thank you for your time and assistance in correcting these errors.

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