Consumer complaint received 2025-09-12 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:
I am submitting this complaint to dispute multiple inaccurate, misleading, and unauthorized entries on my credit report. These entries have caused serious financial, professional, and personal harm, violated my rights under the Fair Credit Reporting Act ( FCRA ), and XXXX also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ). XXXX investigation, correction, and permanent removal of all false reporting is demanded. 
Incorrect Addresses and Their Impact : XXXX XXXX XXXX XXXX, FL XXXX Duplicate and incorrect entry. The repeated listing causes confusion for lenders and financial institutions, resulting in delays in credit approvals and misinterpretation of my residence history. This is a clear violation of FCRA Section XXXX, which mandates investigation and correction of disputed items. 
XXXX XXXX XXXX XXXX, FL XXXX I have never lived at this address, and its inclusion on my credit report is unauthorized. Its reporting has caused significant emotional distress, time spent correcting errors, and professional inconvenience, including delayed job applications requiring credit checks. FCRA Sections XXXX and XXXX guarantee accurate reporting, which has been violated. 
Unauthorized Inquiries ( FCRA XXXX XXXX ( a ) Violations ) : XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year>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 XXXXXX/XX/year> These inquiries were made without my knowledge or consent. Each unauthorized inquiry has lowered my XXXX XXXX, caused confusion for potential creditors, and created unnecessary stress in my financial life. FCRA Section 604 ( a ) ( 3 ) prohibits credit checks without a permissible purpose. The repeated violations indicate negligence or willful misconduct by the reporting entities, and they have materially harmed my creditworthiness and financial stability.

Demands and Required Actions : 1. Remove all inaccurate addresses immediately and permanently.

2. Correct or delete the falsely reported late payment for XXXX. 
3. Remove all unauthorized inquiries listed above.

4. Provide written confirmation of all corrections and investigation outcomes.

5. Ensure compliance with FCRA Sections 602, 609, 611, 623 and FDCPA provisions.

6. Acknowledge the financial and emotional harm caused by these inaccuracies. 
Failure to resolve these disputes promptly will leave me no choice but to pursue legal remedies, including claims for damages resulting from negligent and willful violations of FCRA and FDCPA, as well as potential escalation to state regulatory authorities. These repeated errors have caused financial loss, emotional stress, and disruption in my personal and professional life.

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