Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA 604 ( a ) ( 2 ), 607 ( b ), 611 ( a ) You must maintain only accurate, relevant, and verifiable information. 
Issue : This is not my address and I have never lived or received mail here. 
Story : My credit file was mixed with another consumer, resulting in this false address being reported. This is causing harm by associating me with accounts and inquiries I do not recognize. Remove immediately. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} Late Payment Law : FCRA 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Information must be accurate, complete, and verifiable. 
Issue : I dispute the late payment history as it is inaccurate and unverifiable. 
Story : I have requested proof of the alleged late payments, but no supporting documentation has been provided. The account may have been reported with incorrect payment dates, harming my creditworthiness. Please delete or correct with proof. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Permissible purpose required for inquiries.

Issue : No authorization given for this hard inquiry.

Story : I never applied for credit with this company on this date. This inquiry is unauthorized and must be removed. 

Inquiry XXXX XXXX XXXX  Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) You must have a permissible purpose to access my file.

Issue : I did not give consent for this inquiry. 
Story : I have no application or account with XXXX XXXX, making this a violation of my privacy rights. Remove immediately. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Unauthorized access is prohibited. 
Issue : This inquiry was not initiated by me. 
Story : No credit application was submitted to XXXX XXXX on this date. This must be deleted to protect my credit profile. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Must have my consent for inquiry. 
Issue : I have no relationship with this lender. 
Story : This inquiry is unauthorized and potentially fraudulent. Remove immediately. 

Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Inquiries must be authorized. 
Issue : I never applied for credit with XXXX XXXX. 
Story : This hard pull is damaging my credit and was made without permission. Delete it. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Requires permissible purpose. 
Issue : Unauthorized hard inquiry. 
Story : I did not request financing or credit from this lender. Remove immediately. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) No permissible purpose.

Issue : This inquiry is false and unauthorized.

Story : This was not initiated by me and must be deleted to restore accuracy to my credit file. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Only authorized pulls are legal.

Issue : I did not authorize this. 
Story : No application was submitted by me to this entity. Remove immediately. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Must have permissible purpose.

Issue : This inquiry was made without consent. 
Story : I did not request credit with XXXXXXXX XXXX XXXX  XXXX on this date. Delete this entry. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 607 ( b ) Unauthorized access prohibited.

Issue : I have never dealt with this entity.

Story : This inquiry is harming my credit and must be removed.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

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