Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unauthorized items appearing on my credit reports These include wrong addresses, false late payment reporting, and numerous unauthorized hard inquiries Each item listed below is causing serious damage to my credit profile and financial opportunities despite my prior dispute attempts and existing CFPB complaint already open The continued presence of these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never resided at this address nor used it in any financial, residential, or identification context.

Law : FCRA 1681e ( b ) Credit bureaus must ensure the maximum possible accuracy of the information they report.

Story : This address is a complete mismatch with any of my personal, employment, or legal history. The inclusion of this location on my credit report suggests either file mixing with another consumer or potential identity fraud. This error not only misrepresents my true residency but also puts me at risk of future fraudulent claims or data breaches. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : I have never lived at or had any affiliation with this address.

Law : FCRA 1681c ( f ), 1681b Reporting outdated or unauthorized address data violates permissible use and accuracy obligations.

Story : The persistence of this unrelated address signals possible identity theft or system error. Its presence might cause wrongful linking to delinquent accounts or financial risks I am not responsible for, which affects my loan eligibility and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment * * Issue : Reporting a late payment on an account with a zero-dollar balance is misleading and potentially false.

Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information ; Metro 2 guidelines prohibit late notations on closed or paid accounts.

Story : This account shows a {$0.00} balance, yet it reflects late payments, which is contradictory and has resulted in a negative impact on my credit score. Such reporting misguides potential creditors and falsely implies mismanagement on my part. This must be corrected or removed. 
XXXX XX/XX/XXXX Inquiry Issue : I never authorized or applied for credit from XXXX on this date. 
Law : FCRA 1681b ( c ) Hard inquiries require consumer consent or a permissible purpose.

Story : This inquiry appears on my report without my permission. I had no contact, no application, and no business with this entity at that time. Unauthorized inquiries damage my credit score and raise concerns about data misuse or unauthorized access. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : No application or credit request was made by me on this date.

Law : FCRA 1681b ( a ) ( 3 ) Only entities with a legitimate reason can pull a credit report.

Story : I am highly concerned by this unauthorized pull of my credit. This inquiry not only affected my score but also indicates poor access control and risks of identity compromise. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : This credit check was done without my knowledge or consent.

Law : FCRA 1681b Requires permissible purpose and consumer initiation.

Story : I did not apply for any XXXX card or service through XXXX XXXX XXXX. This unauthorized inquiry is deeply troubling and potentially fraudulent. It was not initiated by me and must be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Redundant or unauthorized credit pull.

Law : FCRA 604 ( a ) ( 3 ) ( A ) Purposeful and informed consent required.

Story : This is either a duplication or an invalid pull made without my knowledge. It is impacting my report negatively and must be addressed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry was not consumer-initiated.

Law : FCRA 1681b ( a ) Requires valid intent and consumers consent.

Story : I have no association with this entity. This action harms my score and undermines trust in my creditworthiness. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate or unauthorized inquiry.

Law : FCRA 1681b ( a ) ( 3 ) Only for approved applications.

Story : This is a repeated pull, and I never engaged with XXXX  on this date. It is unjustified and should be deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Credit was pulled without any financial transaction.

Law : FCRA 604 Access must be granted by consumer.

Story : I had no transaction with this company. The hard inquiry is unauthorized and incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard pull done without my application or consent. Law : FCRA 1681b Credit checks must align with consumer actions. Story : I never authorized this and have not pursued credit from them on that date. I want this entry permanently deleted
. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unapproved hard inquiry.

Law : FCRA 1681b ( a ) Must be linked to consumer-initiated credit request.

Story : This inquiry was not authorized by me, and I did not shop for credit or apply for a car loan at XXXX. This is another false flag that should be removed.

I am requesting the CFPB to fully investigate all these matters and instruct the responsible credit bureaus and furnishers to delete the inaccurate addresses, remove the late payment entry that contradicts the account status, and delete all unauthorized hard inquiries listed above These errors are negatively impacting my credit profile and financial reputation and have caused considerable stress and financial harm I also request confirmation from CFPB and any relevant agencies once the issues have been addressed and corrected Thank you for your attention to this serious matter

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