Consumer complaint received 2025-10-02 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 against the credit bureaus and furnishers under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. My consumer file contains multiple errors including wrong addresses, unauthorized inquiries, and a fraudulent collection account. These items are causing me serious financial harm, credit denials, and reputational damage. I request that the CFPB investigate and enforce immediate correction and deletion. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address This address does not belong to me, I have never resided or conducted any business there. Reporting this as part of my credit file is a direct violation of FCRA 602 requiring fair and accurate reporting. This incorrect address associates me with unknown parties, creating risk of identity theft and fraudulent connections. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address This is another completely false address. I never lived here, rented here, or applied for credit from this location. Its inclusion in my report is damaging my credibility and accuracy of my personal file. I demand immediate deletion under FCRA 611 ( a ) ( 5 ) since the bureau can not verify it. 
XXXX XXXX XXXX Collection, High Balance : {$4800.00}, Date Opened : XX/XX/XXXX I have no knowledge of this account. I never opened or authorized any account with XXXX XXXX. This is an invalid, fraudulent, and unverifiable collection. Reporting this account is a violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate information. The account is also in violation of FDCPA 807 since it misrepresents a debt I do not owe. This must be deleted immediately as it can not be verified with any original contract bearing my signature. 
XXXX XXXX XXXX XXXX Inquiry, Date : XX/XX/XXXX I did not apply for any credit at XXXX XXXX XXXX XXXX XXXX This is an unauthorized inquiry, unlawfully placed on my file. No permissible purpose exists under FCRA 604 for this inquiry. It must be deleted immediately. 
XXXX XXXX Inquiry, Date : XX/XX/XXXX This inquiry was not authorized by me, I did not apply for financing with XXXX Auto. Unauthorized inquiries are damaging and unlawful, and the bureau is required to remove them when disputed under FCRA 611. 
XXXX XXXX XXXX Inquiry, Date : XX/XX/XXXX I did not authorize XXXX XXXX XXXX to access my report. This inquiry was made without permissible purpose, and I demand deletion as required under FCRA 604. 
XXXX XXXX XXXX Inquiry, Date : XX/XX/XXXX This inquiry is tied to an account I have no knowledge of, and I never gave permission for it. Reporting it is unlawful and violates FCRA requirements. I demand immediate deletion.

Relief Requested 1. Immediate deletion of all wrong addresses listed above.

2. Immediate removal of the XXXX XXXX collection account ( XXXX ) due to lack of verification and contract. 
3. Immediate removal of all unauthorized and fraudulent inquiries.

4. Enforcement of compliance with the FCRA and FDCPA, including fines or penalties against violators. 
Failure to correct these violations will leave me no choice but to pursue further action under FCRA 616 and 617, which allow for civil liability, damages, and attorneys fees.

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