Consumer complaint received 2025-06-24 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: ME

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have caused me severe distress, damaged my credit standing, and disrupted my financial well-being. Despite my efforts to have these issues addressed, Experian continues to report inaccurate personal information and unauthorized inquiries on my credit report, which I never approved, nor authorized. 
Incorrect Address Being Reported : Address : XXXX XXXX XXXX, XXXX, ME XXXX This address does not belong to me and is being falsely reported as part of my personal identification on my Experian credit report. This misreporting may be contributing to identity confusion and mismatching of data, which violates my rights under : FCRA 602 ( A ) Consumer reporting agencies must ensure maximum possible accuracy in credit reporting.

FCRA 609 ( c ) ( 2 ) ( E ) Consumers have the right to dispute inaccurate information and request prompt correction or removal. 
Despite not being affiliated with this address, it remains on my report and potentially contributes to the mismatching of accounts or inquiries. I demand its immediate deletion. 
Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Issue : I did not authorize this company to perform a hard inquiry on my Experian report. I never applied for credit with this entity, nor did I consent to any credit pull. 
Violation : FCRA 604 ( a ) ( 3 ) Credit inquiries must be authorized and have a permissible purpose.

FCRA 616 & 617 Liability for willful or negligent noncompliance. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Issue : I did not apply for a mortgage loan with Rocket Mortgage and did not provide permission to XXXX to access my Experian credit report. This unauthorized hard pull is a clear violation of my consumer rights. 
Violation : FCRA 604 ( a ) ( 3 ) ( A ) No credit pull may be made without the consumers permission or legitimate intent.

FCRA 605B Unauthorized use of personal data must be blocked upon consumer request. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Issue : I have no known relationship or credit application history with this company. This inquiry appears to have been made without my authorization and does not reflect any legitimate transaction or permissible purpose. 
Violation : FCRA 604 ( a ) Permissible purpose is required for credit access.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. 
Summary of Damages and Impact : The inaccurate reporting of a false address and multiple unauthorized inquiries is not only misleading, but it has also negatively impacted my credit score, limited my ability to access fair credit, and caused undue emotional distress. Experian, as a Credit Reporting Agency, has a legal obligation under the FCRA to ensure the accuracy and integrity of the data it provides. 
Despite this, Experian has failed to fulfill its responsibilities and has allowed false and unauthorized data to persist on my report, affecting my livelihood. 
Resolution Demanded : 1. Immediate removal of the inaccurate address : XXXX XXXX XXXX, XXXX, ME XXXX XXXX. Immediate deletion of the following unauthorized inquiries : o XXXX XXXX XX/XX/year> o XXXX XXXX XXXXXX/XX/year> o XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX Full reinvestigation into how these unauthorized inquiries were allowed to post on my report without my consent. 
4. Written confirmation of all deletions and a corrected copy of my updated credit report.

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