Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Law : FCRA 605 ( b ) & 609 ( c ) ( 2 ) ( E ) Issue : This address does not belong to me and was never associated with any valid accounts under my name Story : This inaccurate address has no connection to my personal history or verified activity. It may have been reported due to a mixed or merged file error. I am requesting immediate deletion of this address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Law : FCRA 605 ( b ) & 609 ( c ) ( 2 ) ( E ) Issue : Address is incorrect and not related to any accounts I have opened Story : I have never resided at or used this address in any application. Its appearance is misleading and likely due to identity confusion or data entry mistake. Please remove this incorrect personal information immediately XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Law : FCRA 605 ( b ) & 609 ( c ) ( 2 ) ( E ) Issue : This address is not part of my verified credit profile Story : I do not recognize this address and it does not appear in any of my official residency records. This could result from a file mix-up or third-party reporting error. I request deletion of this erroneous information ACCOUNTS XXXX XXXX XXXX * High Balance : {$15000.00} Date Opened : XX/XX/XXXX Charge Off * * Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), 602 ( a ) Issue : This account is inaccurate and unverifiable ; it reflects a charge-off status that I do not recognize or authorize Story : I previously disputed this account but received no valid documentation or signed agreement verifying the debt or balance. Continued reporting of unverifiable, inaccurate information is a violation of federal law. I request full deletion if the creditor can not validate all details INQUIRIES XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 615 Issue : This inquiry was made without my written authorization or permissible purpose Story : I did not apply for credit with XXXX or grant any company the right to access my credit file on this date. This inquiry is unauthorized and must be deleted to protect my creditworthiness XXXX XXXX XX/XX/XXXX Duplicate Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 615 Issue : This is a repeated inquiry by the same creditor on the same date without permission Story : I never gave XXXX XXXX any consent to access my credit file, and two inquiries on the same day suggest either abuse or system error. Both entries should be removed immediately XXXX XX/XX/XXXX Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ), 615 Issue : Inquiry lacks a permissible purpose under FCRA and I did not authorize it Story : I did not apply for any financial product with XXXX XXXX on or around this date. They had no legal right to pull my credit. Please delete this inquiry as soon as possible I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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