Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
I am filing this complaint because my consumer report continues to contain multiple inaccurate addresses and several unauthorized hard inquiries that violate my rights under the FCRA. I have repeatedly disputed these items with the credit bureau, yet the bureau has failed to correct or delete them as required. These errors have caused continued harm, confusion, and denial of fair credit opportunities, which directly undermines the protections guaranteed to me under FCRA 602, 603, 607 ( b ), 609 ( a ), 611 ( a ), and 604 ( a ) ( 2 ). I am requesting the CFPB to review these failures, direct the credit bureau to fully comply with federal law, and ensure the immediate correction and deletion of all inaccurate and unauthorized information listed below. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, MI XXXX This address is being reported inaccurately. My file is required to contain only complete and verifiable identifying information, but the bureau has failed to investigate and correct this error. This violates FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 609 ( a ).

Laws Used : FCRA 602 ( A ), FCRA 607 ( b ), FCRA 609 ( a ), FCRA 611 ( a ) XXXX XXXX XXXX XXXX, PA XXXX I have no connection to this address and have never lived here. Reporting an unrelated address creates the risk of mixed-file issues and identity confusion. The bureau is required to maintain maximum accuracy and remove unverifiable information. 
Laws Used : FCRA 602 ( A ), FCRA 607 ( b ), FCRA 609 ( a ), FCRA 611 ( a ) INQUIRIES XXXX XX/XX/XXXX I did not authorize this hard inquiry. Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish my report with my written authorization, which I never provided. The bureau failed to remove this despite previous disputes. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) XXXX XX/XX/XXXX I did not apply for credit with this company. This inquiry was pulled without any permissible purpose. Continued reporting without verification violates FCRA requirements. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) 700 XXXX XXXX XX/XX/XXXX This inquiry is unauthorized. I did not seek credit with this entity on this date. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. The credit bureau must remove inquiries lacking a verifiable permissible purpose. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. There is no permissible purpose under FCRA for this pull. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) XXXX XXXX XX/XX/XXXX This inquiry is invalid and was not initiated by me. Continued reporting after dispute demonstrates noncompliance with investigative duties. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) XXXX XXXX XX/XX/XXXX I never applied for any product with XXXX on this date. This is an unauthorized inquiry that must be deleted. 
Laws Used : FCRA 604 ( a ) ( 2 ), FCRA 607 ( b ), FCRA 611 ( a ) The ongoing presence of these inaccurate addresses and unauthorized inquiries shows the credit bureau has not fulfilled its obligations under the FCRA to ensure maximum possible accuracy or perform a lawful reinvestigation. I am requesting that the CFPB intervene, enforce compliance, and require the bureau to correct and delete all erroneous information listed above so my consumer report reflects only accurate, verifiable data.

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