Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint due to Experian willful negligence in maintaining and reporting inaccurate information on my consumer credit report. Despite multiple attempts to dispute, XXXX  continues to report incorrect addresses, unverifiable derogatory accounts, and unauthorized inquiries, violating the Fair Credit Reporting Act ( FCRA ). 
WRONG ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Invalid address linked to my report. 
XXXX Violated : FCRA 607 ( b ), 609, 611 Story : I have no knowledge of this property, nor have I provided it in any loan or credit application. XXXX  has failed to verify its legitimacy, nor did they remove it after dispute. This harms my credit identity and increases the risk of fraud. 
ACCOUNTS ( Late Payments/ Charge-offs/ Collections ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Multiple late payments reported incorrectly. 
Law Violated : FCRA 611, 607 ( b ), 623 ( a ) Story : I believe there is a reporting error on this account. I maintained regular payments, and no verified documentation has been provided to support the delinquencies reported. XXXX  failed to conduct a reasonable reinvestigation, violating my consumer rights. 
UNAUTHORIZED INQUIRIES ( Dated : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unauthorized hard inquiry. 
XXXX Violated : FCRA XXXX ( a ) ( XXXX ) Story : I did not initiate a credit application or give permission for this inquiry. No permissible purpose exists. XXXX  failed to verify this inquiry before including it on my report. 
XXXX XXXX XXXX Issue : Unauthorized inquiry.

Law Violated : FCRA 604 ( a ) ( 3 ), 611 Story : I have no dealings with this company. The hard pull occurred without my consent. I filed a dispute but it was ignored without investigation. 
XXXX XXXX XXXX XXXXssue : Unauthorized credit check. 
XXXX Violated : FCRA XXXX XXXX : This inquiry was not initiated by me. XXXX  has not validated the inquiry, nor did they remove it when challenged. 
XXXX / XXXX XXXX  Issue : No permissible purpose for inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) Story : I never applied for credit with this lender. This inquiry is damaging my XXXX XXXX and falsely implies that I am seeking excessive credit. 
XXXX XXXX XXXX / XXXX Issue : Inquiry added without my permission. 
XXXX Violated : FCRA XXXX XXXX : This is likely a duplicate or unauthorized inquiry. I disputed this entry, but XXXX did not conduct a proper reinvestigation. 
FINAL STATEMENT : XXXX  has repeatedly violated my rights under the Fair Credit Reporting Act by reporting false addresses, failing to verify or delete disputed derogatory accounts, and allowing unauthorized inquiries to remain on my report. These errors are impacting my credit score, loan eligibility, and overall financial stability. 
I respectfully request the CFPB investigate these violations, instruct Experian to delete all inaccurate entries, and hold them accountable under FCRA 616 and 617 for willful noncompliance, including statutory and punitive damages if necessary.

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