Consumer complaint received 2025-05-17 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:
Consumers Full Complaint : I am filing this complaint because my credit report contains multiple inaccurate and unauthorized entries, including incorrect addresses, outdated or unverifiable negative accounts, and unauthorized hard inquiries. Despite multiple attempts to dispute these items directly with the credit bureaus, they continue to report incorrect and damaging information, causing serious harm to my credit profile and financial stability. 

XXXX. Inaccurate Addresses My credit report shows a number of addresses I have never lived at, visited, or been associated with in any way. These addresses are : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX These addresses are inaccurate and reflect serious issues with data accuracy and identity mix-ups on my file.

2. Inaccurate and Unverified Negative Accounts My credit report contains several derogatory items that I have disputed but have not been properly investigated or verified as required by the Fair Credit Reporting Act ( FCRA ). These include : Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX DPT EdXXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Many of these accounts are being reported twice ( e.g., XXXX XXXX, XXXX ), which is misleading and unfair. Others have been resolved or closed with a {$0.00} balance but are still listed with negative status. 

XXXX. Unauthorized Hard Inquiries My credit report also shows dozens of hard inquiries from lenders, dealers, and institutions with whom I never initiated a credit application. This is a clear violation of the FCRA, which mandates that hard inquiries must be authorized by the consumer. Examples include : Auto & Lending Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, etc. 

These inquiries were not authorized by me and are likely the result of identity confusion, erroneous batch submissions, or fraudulent activity. 

Requested Resolution : Immediately remove all inaccurate addresses listed above from my credit report. 

Delete or correct all unverifiable and duplicate negative accounts per Section 611 of the FCRA. 

Remove all unauthorized hard inquiries that I did not initiate or approve. 

Provide a full reinvestigation and explanation of how these items were verified and by whom, in compliance with FCRA requirements. 

Prevent further reporting of incorrect or outdated information going forward. 

Additional Notes : I have suffered serious harm to my creditworthiness and have been denied access to credit due to these inaccuracies. I am requesting the CFPBs assistance in ensuring the credit reporting agencies comply with federal law and correct my report. 

Thank you for your time and support.

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