Consumer complaint received 2025-11-01 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 under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all relevant consumer protection statutes due to severe inaccuracies and violations committed by credit bureaus and data furnishers. My consumer file contains false addresses and unauthorized inquiries that have harmed my creditworthiness, caused emotional distress, and violated my federal rights. I am demanding a complete reinvestigation, deletion of the inaccurate and unauthorized data, and written confirmation that the errors have been permanently removed. 

ADDRESSES XXXX XXXX  XXXX XXXX XXXX, TX XXXX This address is being falsely associated with me despite having no legal or residential connection. Reporting this incorrect information violates FCRA Section XXXX ( b ) requiring the maintenance of maximum possible accuracy. The repeated display of this false address after prior disputes demonstrates continued negligence. Remove this immediately as it creates confusion in my credit identity and misleads potential creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived or received mail at this location, and no verified documentation exists linking me to it. Keeping this address on my file violates FCRA Section 611 ( a ) ( 1 ) ( A ) and FCRA Section 609 ( a ), as you have not provided proper verification despite prior requests. Retaining an unverifiable address reflects a systemic failure in your verification process and infringes on my federal right to accurate reporting. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Each of the above inquiries is unauthorized and lacks a permissible purpose under FCRA Section 604 ( a ) ( 3 ). I did not initiate, approve, or provide consent for any of these entities to access my credit file. These inquiries were made without my written authorization, violating my privacy rights and federal consumer protection laws. Your continued reporting of these inquiries after my prior disputes demonstrates willful disregard for FCRA Section 611 ( a ), which mandates deletion of unverifiable information within 30 days. You are legally required to provide the date, method, and documentation proving my consent for each inquiry. If no proof exists, they must be deleted immediately. 


I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all relevant consumer protection statutes due to severe inaccuracies and violations committed by credit bureaus and data furnishers. My consumer file contains false addresses and unauthorized inquiries that have harmed my creditworthiness, caused emotional distress, and violated my federal rights. I am demanding a complete reinvestigation, deletion of the inaccurate and unauthorized data, and written confirmation that the errors have been permanently removed.

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