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: OK

Complaint narrative:
I am submitting this complaint against Experian for multiple inaccurate and unverifiable items listed on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Experian has failed to maintain accurate and complete information and has continued to report erroneous data despite my prior disputes. The following items require immediate investigation and deletion due to Experian 's non-compliance with federal law : XXXX XXXX XXXX XXXX XXXX XXXX This address is not mine and has no verifiable connection to my identity. I have never lived, worked, or conducted any financial activity from this address. Reporting this address as associated with me is a blatant violation of FCRA 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continued reporting of this false address is causing confusion, misidentification, and potential fraud risk. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This hard inquiry was made without my knowledge or authorization. I have not applied for any credit or financial product from XXXX XXXX or any associated entity around this time. This is a clear violation of FCRA 1681b ( c ) which restricts credit inquiries to only permissible purposes with the consumers consent. Reporting such inquiries negatively affects my credit score and represents negligent data handling by Experian. 
XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this credit inquiry, nor did I apply for any product from XXXX  XXXX on or around this date. This inquiry is unverified and must be removed under FCRA 1681b ( f ), which requires that users of consumer reports certify permissible purpose before obtaining the report. Failure to remove unauthorized inquiries after disputes also violates FCRA 1681i. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my consent or initiation. I had no application or interaction with XXXX XXXX around this time. The reporting of this inquiry violates FCRA 1681b ( a ) and 1681b ( f ), and reflects a lack of proper vetting procedures on the part of Experian in allowing entities to access my consumer file. 
XXXX Inquiry Date : XX/XX/XXXX I have no known or documented relationship with XXXX XXXX  or any XXXX XXXXrelated account around this date. This inquiry was unauthorized, uninitiated, and unverified, and violates FCRA 1681b. Such inaccurate data entries continue to impact my creditworthiness unjustly and should be immediately removed under FCRA 1681i ( a ) due to their unverifiable nature. 
XXXX Inquiry Date : XX/XX/XXXX A second unauthorized inquiry from the same creditor, again without my approval or application. The duplication and recurrence of unauthorized inquiries from XXXX XXXX is highly suspicious and suggests potential identity compromise or systemic failure by Experian to validate inquiry requests, in direct violation of FCRA 1681b ( c ). 
XXXX Inquiry Date : XX/XX/XXXX I did not apply for any XXXX XXXXXXXX account or credit card during this time. The inclusion of this inquiry on my report is inaccurate and misleading, and fails to meet the standard of permissible purpose outlined in FCRA 1681b. The continued presence of such an inquiry constitutes a violation of my consumer rights and contributes to artificially deflating my credit score without basis.

These unauthorized inquiries and false addresses reflect a serious breach of Experians responsibility under FCRA 1681e ( b ) to maintain maximum possible accuracy, and 1681i to reinvestigate disputed information in a timely and meaningful manner. I am formally demanding that Experian conduct a full reinvestigation of each disputed item, provide evidence of authorization for each inquiry listed above, and delete any unverifiable or incorrect item from my credit report. Failure to do so will result in escalation to the Federal Trade Commission and further legal remedies.

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