Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX LAW : FCRA 602 ( a ), 607 ( b ), 611 ISSUE : I have never lived at this address and it is being incorrectly reported on my credit file STORY : I have no known connection to this address and it may be contributing to incorrect or mixed file data. This incorrect address is damaging my profile and must be deleted immediately as per FCRA compliance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX LAW : FCRA 602 ( a ), 607 ( b ), 611 ISSUE : This address is completely inaccurate and was never associated with me STORY : I do not know this location, nor have I ever stayed there. This information is harming my creditworthiness by incorrectly associating accounts or inquiries I do not recognize ACCOUNTS DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} LAW : FCRA 607 ( b ), 611, 602 ( a ) ISSUE : This account is reporting late payments that are inaccurate and damaging STORY : I have consistently communicated with my loan servicer, and I dispute the alleged late payments reported. These entries appear due to reporting errors or miscommunication and must be removed unless proven with full documentation under Section XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} LAW : FCRA 607 ( b ), 611, 602 ( a ) ISSUE : False late payment is damaging my credit profile and is unverifiable STORY : I was under forbearance or financial hardship arrangements during this period and any late payment reporting is inaccurate. I request a thorough investigation and removal of this entry if the bureau can not verify it with complete evidence INQUIRIES XXXX XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : I did not consent to this inquiry STORY : No credit application was submitted by me to XXXX XXXX XXXXXXXX. This inquiry is unauthorized and needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ISSUE : Inquiry appears to be initiated without consent STORY : I have not applied for any credit with XXXX XXXX XXXX XXXX on that date. I demand this item be deleted as it violates the permissible purpose clause of FCRA XXXX XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : No consent was provided for this hard inquiry STORY : I am unfamiliar with any credit request with this lender. I request that the bureau investigate and delete the inquiry immediately XXXX XXXX XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Inquiry unauthorized and must be removed STORY : This inquiry was not permitted by me and may be tied to incorrect information or identity misuse. Delete promptly under FCRA guidelines XXXX XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : No application or intent from my side to obtain credit STORY : This inquiry was neither requested nor approved by me. Its damaging my report unfairly and must be deleted as it lacks legal basis XXXX XXXX XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ) ISSUE : Duplicate unauthorized inquiry STORY : Already disputed above. I did not request this account or authorize a hard pull. Reinforces the need for deletion I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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