Consumer complaint received 2025-09-04 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 under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq, 15 U.S.C. 1681s-2, and other applicable federal laws regarding inaccurate reporting, unauthorized inquiries, fraudulent account information, and misrepresentation of my personal and financial history Addresses Reported Inaccurately XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : Duplicate/incorrect variant of my correct addressLaw : FCRA 1681iStory : The duplication of my address distorts my reported history, implying a pattern of multiple residences and financial complexity. Lenders misinterpret this as potential fraud risk, increasing scrutiny and impacting my creditworthiness unfairly. This misrepresentation has tangible consequences, such as delayed approvals and higher interest rate offers XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Issue : Address not associated with meLaw : FCRA 1681iStory : This erroneous reporting falsely links me to obligations or financial events that never occurred. It has caused confusion in multiple credit applications, resulting in delays and extra verification requirements, which have cost me time and created unnecessary stress. Such false associations also risk identity misrepresentation Accounts Inaccurately Reported / Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX High Balance : {$2800.00} Charge Off Issue : Reported as charge-off inaccuratelyLaw : FCRA 1681s-2Story : I never received notice or validation of any alleged delinquency. This false charge-off portrays me as financially irresponsible, impacting my ability to obtain loans, credit cards, and even rental applications. Lenders seeing this may assume negligence, leading to unnecessary stress, financial setbacks, and reputational harm. This misreporting has already caused denials and higher interest rates, directly affecting my financial stability Unauthorized Inquiries/ Hard Pulls XXXXXXXX XXXX  XXXX XX/XX/XXXX Issue : Unauthorized hard inquiryLaw : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry. Its appearance implies that I am actively seeking credit, which is false. Such entries lower my credit score, influence lender perceptions, and may result in higher interest rates or denied applications. The unauthorized inquiry creates unnecessary scrutiny and anxiety, as I am forced to prove my innocence to lenders and credit agencies XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiryLaw : FCRA 604 ( a ) Story : This inquiry falsely represents my financial behavior, suggesting excessive credit seeking. Lenders rely on such data to evaluate risk. Its presence has caused loan delays, higher premiums, and stress related to identity verification processes, consuming valuable time and resources XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Hard inquiry without knowledgeLaw : FCRA 604 ( a ) Story : Duplicate reporting exaggerates perceived risk. I face unnecessary scrutiny, higher interest rates, and potential loan denials, forcing me to repeatedly clarify that these inquiries were unauthorized Request for Action I demand that CFPB require all credit reporting agencies and involved creditors to remove all inaccurate addresses, correct all charge-offs, delete all unauthorized inquiries, and verify all account information to ensure compliance with FCRA and federal law, protecting my rights, restoring my credit, and preventing further financial and emotional harm. Supporting documentation is attached

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