Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Wrong Address XXXX XXXX XXXX, XXXX, SC XXXX Law : FCRA XXXX ( b ) requires credit bureaus to maintain maximum accuracy. FCRA XXXX requires unverifiable information to be deleted. 
Issue : This address is not mine, yet it is being reported as associated with me. It misrepresents my identity and creates risk of being linked to accounts or debts that are not mine. 
Story : I have never lived at this location, nor have I ever received mail, bills, or official documentation tied to this address. By reporting this false address, the bureau is violating my consumer rights under the FCRA. Leaving it on my credit file may lead to me being wrongfully associated with debts, fraudulent activities, or obligations that have no connection to me. This damages my creditworthiness, invades my privacy, and increases the chance of identity theft. The law requires you to delete this immediately if you can not provide verifiable proof that I resided here. 

Wrong Address XXXX XXXX XXXX, XXXX, SC XXXX Law : FCRA XXXX ( b ), XXXX, and XXXX ( A ) regarding accuracy and fairness in credit reporting. 
Issue : This address is completely false and never connected to me in any way. 
Story : I have no rental history, utility bills, banking statements, or any official ties to this address. Reporting this incorrect address is misleading and creates the appearance that I may have lived at multiple false places. This lowers the credibility of my credit file and may cause lenders to view me as high risk. Under FCRA, it is your responsibility to ensure all reported addresses are accurate and verifiable. If no proof exists, it must be deleted immediately. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX permissible purpose requirement. 
Issue : Unauthorized inquiry. 
Story : I never authorized this inquiry. There is no signed application or business relationship to justify it. By law, this must be removed because it is damaging, misleading, and unlawful. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX. 
Issue : No permissible purpose. 
Story : This inquiry was not authorized by me. It must be deleted immediately. 

Inquiry XXXX CARD XX/XX/XXXX Law : FCRA XXXX. 
Issue : Unauthorized pull of my credit file. 
Story : I never applied for a XXXX credit card at this time. Without my consent, this inquiry is unlawful. Delete immediately. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX. 
Issue : No permissible purpose. 
Story : I did not authorize this inquiry. It must be deleted immediately. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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