Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX RE : Dispute of Inaccurate Addresses and Unauthorized Inquiries XXXX XXXX XXXX Report # XXXX Dear XXXX XXXX : I am writing to dispute specific inaccurate information that continues to appear on my Experian credit report ( Report # XXXX dated XX/XX/XXXXXXXX  ) in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

1. Dispute of Inaccurate Addresses My report improperly lists multiple address variations that are inaccurate, outdated, or otherwise incorrect : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( appears twice ) Correct Address : The only correct address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 

Please immediately delete all incorrect address entries listed above. Maintaining false and inconsistent address records violates the FCRAs mandate under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of consumer information.

2. Dispute of Unauthorized Hard Inquiries My report also lists several unauthorized hard inquiries that I never applied for nor authorized, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries were made without my knowledge, authorization, or consent, in violation of 15 U.S.C. 1681b ( f ). 
Please immediately remove these unauthorized inquiries from my file. 

Conclusion I demand immediate deletion of : All inaccurate addresses listed above. 
All unauthorized inquiries listed above. 
Please provide me with an updated copy of my Experian consumer report reflecting these deletions within 15 days of receipt of this letter. 

If Experian fails to correct these inaccuracies, I reserve the right to pursue all available remedies, including seeking actual, statutory, and punitive damages under 15 U.S.C. 1681n and 1681o.

Please govern yourselves accordingly. 
New Allegations to Add in Court ( FCRA Violations ) Violation of 15 U.S.C. 1681i ( a ) Experian failed to conduct a timely and reasonable reinvestigation into your disputes submitted over 15 days ago, despite clear supporting documentation.

Violation of 15 U.S.C. 1681e ( b ) Experian continues to report an address that is factually inaccurate ( XXXX ), even after you provided proof ( XXXX XXXX ' email ) that you never resided there. 
Violation of 15 U.S.C. 1681b ( f ) Experian knowingly published and continues to retain hard inquiries from auto dealers, banks, and lenders that were not authorized by you. There is no permissible purpose. 
Violation of 15 U.S.C. 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Experian failed to provide documentation or explanation for how the reinvestigation was conducted or how the false data was verified. 
Sincerely, XXXX XXXX XXXX

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