Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is inaccurately reported on my credit file and I have no connection to it Law : FCRA Sections 609 ( c ) and 602 ( A ) guarantee the right to accurate reporting and protection from misrepresentation Story : I have never resided at or been associated with this address. Including this address misrepresents my credit profile and could link me to fraudulent or unrelated accounts. I demand its immediate removal. 

XXXX XXXX XXXX XXXX, CA XXXX Issue : This is not my current or former address and is reported in error Law : FCRA 607 ( b ) requires consumer reporting agencies to maintain maximum possible accuracy Story : I have no relationship with this address. It must be removed to avoid associating my name with erroneous or fraudulent activity. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) requires permissible purpose and consumer consent for hard inquiries Story : I did not apply for credit from XXXX XXXX XXXX XXXX and did not authorize this inquiry. Please remove this immediately. 

XXXX XX/XX/XXXX Issue : This inquiry is unauthorized and done without my consent Law : Under FCRA 604 ( a ) ( 3 ), a consumer report may only be pulled with a valid purpose and consent Story : I never submitted a credit application with XXXX. This inquiry is damaging and must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Hard inquiry conducted without consumer consent Law : FCRA 604 ( c ) ( 1 ) prohibits unauthorized access to a consumers credit report Story : I have never done business with XXXX. They had no reason to access my report, and this inquiry must be deleted. 

XXXX XXXXXXXX XXXXXX/XX/XXXX Issue : Inquiry made without my knowledge or consent Law : FCRA 604 ( a ) ( 3 ) ( A ) only permits credit pulls when initiated by the consumer Story : I did not apply for auto financing with XXXX. This inquiry is inaccurate and should be deleted. 

XXXX XXXX XXXXXX/XX/XXXX Issue : No permissible purpose for this hard inquiry Law : Under FCRA 604, all hard inquiries must be consumer-initiated Story : I did not authorize XXXX XXXX  to pull my report. This entry is invalid and should be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry was not consented to and therefore is a violation Law : FCRA 604 ( a ) ( 3 ) ( F ) states that consumer reports must only be obtained for legitimate purposes Story : I have no relationship with XXXX XXXX XXXX They accessed my file without reason and must be removed. 

XXXX XXXX XX/XX/XXXX Issue : This inquiry is unapproved and violates my consumer rights Law : FCRA Section 604 mandates clear and permissible use of consumer reports Story : I never gave XXXX XXXX permission to view my credit. Delete this inquiry promptly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard pull of credit Law : FCRA 604 ( b ) ( 2 ) ( A ) ( i ) requires prior consent for any inquiry Story : I did not apply for credit with XXXX XXXX XXXXXXXX. This inquiry is incorrect and must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : This inquiry lacks authorization Law : FCRA 604 only allows access with valid consumer-initiated transactions Story : I never interacted with XXXX XXXX XXXX This is inaccurate and should be deleted from my report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No authorized application submitted Law : FCRA 604 ( a ) ( 3 ) requires a legitimate credit application to permit inquiry Story : This entry was made without my permission. It should be investigated and deleted. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 prohibits any inquiry not initiated or authorized by the consumer Story : I did not request credit from XXXX XXXX  . This inquiry is invalid and must be removed. 

Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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