Consumer complaint received 2025-08-22 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 submitting this complaint to dispute multiple inaccuracies and unauthorized actions on my credit report. These entries violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accuracy in credit reporting, restricts unauthorized credit inquiries, and mandates proper investigation of disputed information. The following details provide a clear account of the violations : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address listed on my credit report. 
Law : FCRA 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information in consumer reports.

Story : This address has never been associated with me. Its presence on my credit report is misleading and could cause lenders to deny credit or make erroneous judgments about my residency. I demand this incorrect address be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Issue : Wrong Address listed on my credit report. 
Law : FCRA 1681i requires investigation of disputed information.

Story : I have no ties to this property. Its inclusion reflects poor data verification and could falsely affect my identity and credit decisions. I request immediate correction. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) restricts credit reporting inquiries to those with a permissible purpose and requires consumer authorization. 
Story : I never applied for credit with XXXX XXXX XXXX XXXX XXXX This inquiry suggests potential misuse of my personal information. Each inquiry reduces my credit score and can result in lenders denying me loans or credit cards. Discovering an inquiry I did not authorize has caused me significant stress, as I have to monitor my accounts for potential identity theft. I request its immediate removal. 
XXXX XXXX XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I was unaware of this inquiry until reviewing my credit report. Such unauthorized checks can indicate fraudulent activity and diminish my financial reputation. It is stressful and unfair to have my credit affected by an inquiry I did not authorize. Immediate deletion is necessary to protect my creditworthiness. 
XXXX XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : This inquiry was conducted without my permission. Unauthorized inquiries make it appear as though I am seeking multiple lines of credit irresponsibly, which is false. They cause unnecessary anxiety and potential loss of opportunities to obtain loans at fair rates. I demand removal. 
XXXX XXXX XXXX  XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I did not request this credit check. Unauthorized inquiries harm my credit score and could lead to higher interest rates on future loans. Monitoring and disputing these inquiries takes time and creates financial stress. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : This inquiry was performed without my consent. It impacts my credit history and could hinder my ability to qualify for loans, credit cards, or housing. The stress and inconvenience caused by unauthorized inquiries are significant, and removal is necessary to maintain accurate reporting. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I did not request credit from XXXX XXXX XXXX. Unauthorized inquiries damage my credit score and create confusion regarding my credit activity. Immediate deletion is essential to prevent further harm. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : This inquiry was performed without my authorization. It misrepresents my financial behavior and can result in negative financial consequences, including denied loans and increased interest rates. I request prompt removal. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : This inquiry was not authorized by me. Unauthorized pulls on my credit create the impression of financial instability, which is inaccurate and unfairly harms my credit score. It also causes emotional stress as I must track and dispute each entry. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : Repeated unauthorized inquiries by XXXX FINANC suggest negligence or potential identity misuse. Each inquiry lowers my credit score and can prevent access to fair credit. I demand immediate removal. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I never authorized XXXX XXXX XXXX XXXX to access my credit. Unauthorized inquiries create inaccurate credit profiles, which could lead to lost opportunities for loans, higher interest rates, and other financial harms. Immediate deletion is requested. 
XXXX CREDIT/ESCONDIDO A XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I never applied for credit with XXXX CREDIT/ESCONDIDO A. Unauthorized inquiries affect my credit health and misrepresent my financial activity. I request removal. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : This inquiry is inaccurate and was not authorized. Unauthorized inquiries create false impressions of my financial activity and may prevent access to fair credit. Removal requested. 
XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) Story : I never applied for credit with XXXX. This unauthorized inquiry impacts my credit score, misrepresents my financial responsibility, and could lead to higher interest rates or loan denials. Immediate removal is necessary. 
I respectfully request that all unauthorized inquiries and incorrect addresses listed above be fully investigated and corrected in compliance with the FCRA. These inaccuracies have caused tangible harm, including reduced credit score, stress, and financial inconvenience. I demand written confirmation of the investigation results and immediate removal of all unauthorized and inaccurate entries.

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