Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding serious inaccuracies on my credit report that have caused substantial financial harm, undue stress, and potential damage to my creditworthiness. These errors include incorrect addresses, unauthorized inquiries, and unverified collection accounts reported by [ Credit Bureau Name ]. These actions violate my rights 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. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Reported as my address. This is incorrect. I have never resided at this address, yet your bureau has included it in my file. This false reporting creates confusion for lenders, creditors, and potential employers who use my credit report to verify residency. Such reporting violates FCRA 1681c ( a ) ( 1 ) regarding accuracy of identifying information. The presence of this incorrect address is materially misleading and adversely affects my reputation and creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect address ; must be removed. The inclusion of this address may mislead lenders and other entities about my residence history, causing unnecessary complications in credit applications and background verification. Reporting false addresses violates FCRA 1681i ( a ) and 1681e ( b ) and undermines my rights as a consumer. 
XXXX XXXX XXXX Opened XX/XX/year> Unpaid Balance {$1500.00} Reported as a collection. I have no knowledge of this account and deny ever opening or owing it. Reporting this account without verification violates FCRA 1681i ( a ) ( 1 ) and FDCPA 1692e, which prohibit misleading or false representation of any debt. This reporting has caused stress, unnecessary collection calls, and impacted my ability to obtain credit. I request that this account be fully verified with proper documentation ; if verification can not be provided, it must be deleted immediately. 
XXXX XXXX Reported inquiry on XXXX XXXXXXXX XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may not include unauthorized hard inquiries. This unauthorized inquiry has negatively affected my credit score, leading to higher interest rates on credit applications. Reporting this inquiry without my consent is a violation of my legal rights. Remove immediately. 
XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. This inquiry was never authorized by me and has caused a decrease in my credit score, affecting my ability to secure credit at reasonable rates. FCRA 604 ( a ) ( 3 ) protects consumers from unauthorized inquiries. Remove immediately. 
XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. Inclusion of this inquiry without authorization violates my rights under FCRA and has caused financial harm by lowering my creditworthiness. Remove immediately. 
XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. This false reporting has already affected my credit approval processes and is a clear violation of FCRA 604 ( a ) ( XXXX ). Immediate removal is required. 
XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. Unauthorized reporting of this inquiry constitutes a violation of federal law and has harmed my ability to obtain new credit. Remove immediately. 
XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. This reporting violates FCRA 604 ( a ) ( 3 ) and misrepresents my credit activity. Remove immediately. 

XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. This false reporting negatively impacts my credit history and is a violation of FCRA. Remove immediately. 
XXXX XXXX XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. Inclusion of this inquiry without my authorization is illegal under FCRA 604 ( a ) ( 3 ) and must be deleted to restore accurate reporting. 
XXXX Reported inquiry on XX/XX/year> Unauthorized inquiry. This inquiry was never approved by me and has contributed to unjust credit score reduction, causing material harm. FCRA 604 ( a ) ( 3 ) requires removal of unauthorized inquiries. Remove immediately. 
These inaccuracies are materially misleading, negatively affecting my creditworthiness, creating financial obstacles, and causing emotional distress. I request CFPB assistance to : XXXX. Ensure [ Credit Bureau Name ] conducts a proper investigation of each disputed item. 
XXXX. Verify each collection account or remove unverifiable accounts immediately. 
XXXX. Remove all incorrect addresses and unauthorized inquiries. 
XXXX. Provide written confirmation of corrections and removal. 
The bureaus failure to accurately report this information violates federal law and has caused tangible harm. I request that CFPB intervene to ensure compliance with FCRA and FDCPA and restore the accuracy of my 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