Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
WRONG ADDRESSES ( NOT MINE ) XXXX XXXX XXXX XXXXXXXX, NJ XXXX Issue : This address is completely unfamiliar to me. I have never resided, worked, or received mail at this location. Its presence on my credit report is both suspicious and harmful. 
Law Violated : Under FCRA 607 ( b ) and 609 ( c ) ( 2 ), the credit reporting agency must ensure the accuracy of the information and provide only verified consumer identity data.

My Story : I discovered this address after being denied credit. I never had any personal, rental, or financial connection with this location. Its continued presence raises concern of a mixed file or potential identity theft, causing damage to my reputation and credit score. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX Issue : Completely unrelated address. No lease, no affiliation.

Law Violated : FCRA 604 ( a ) furnishing inaccurate personal identification data violates permissible use.

My Story : This address never belonged to me. I suspect credit profile mixing or errors from creditors/furnishers. It is emotionally draining to explain these mistakes during every loan or background check. 
ACCOUNTS WITH INACCURATE DATA XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$550000.00} | Date Opened : XX/XX/XXXX * * Issue : Late payment reported inaccurately. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurate and complete data.

My Story : This account is extremely high in balance and Ive never received any statement, communication, or billing from XXXX. This has to be either a fraudulent account or an error due to mixed files. I was shocked to see such a large balance associated with me, and I am terrified of the consequences this error could cause from loan denials to legal action for debts I do not owe. 
XXXX XXXX XXXX XXXX Acct # XXXX | High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Issue : Late payments reported without valid notification or proof. 
Law Violated : FCRA 607 ( b ), and Fair Debt Collection Practices Act ( FDCPA ) 807 prohibiting false or misleading representations.

My Story : I do not recall having an open auto loan with XXXX in that time period. I received no bill, no contract, and no documentation. Despite this, late payments are tarnishing my credit score. I believe this could be tied to the wrong addresses listed on my report, and I feel like my identity has been misused or mixed. 

XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX | Balance Owed : {$17000.00} | Opened : XX/XX/XXXX * * Issue : Charged off without consent or prior knowledge of account.

Law Violated : FCRA 611 Failure to investigate disputed inaccurate info ; Identity Theft laws under FACTA.

My Story : This is a fraudulent or mistaken account. I have never applied for or opened any XXXX account, and this is severely harming my financial profile. The charged-off status is making it difficult for me to get a home or car loan. The mental stress from having to dispute a false debt I never created is unbearable. 

UNAUTHORIZED / SUSPICIOUS INQUIRIES XXXX XXXX, XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement for pulling credit reports. 
My Story : I did not apply for any XXXX or XXXX XXXX credit product. This inquiry was done without my knowledge or permission. It hurt my score and indicates a possible misuse of my information by someone else. 

XXXX XXXX XX/XX/XXXX Issue : No consent provided for credit pull. 
Law Violated : FCRA 604 ( a ) Inquiry must be initiated by the consumer.

My Story : Ive never heard of this company and did not apply for anything on or near this date. These types of inquiries make me feel like my information is being traded or misused in the background. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry made without application.

Law Violated : FCRA 604 ( b ) ( 2 ) ( A ) ( i ) Disclosure & authorization required.

My Story : I did not apply for any loan or mortgage that would allow XXXX or XXXX to legally access my file. This intrusion is part of a broader pattern of violations that suggest someone may be impersonating me. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No application initiated by me. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) Credit applications must be authorized. 
My Story : XXXX XXXX pulled my report without any permission. I didnt apply for any of their services. I have a serious concern that my credit file is being accessed improperly potentially due to linked false addresses. 

I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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