Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report serious inaccuracies and potentially unlawful reporting practices that are appearing on my credit file. These errors involve wrong addresses, false charge-off and collection accounts, and unauthorized hard inquiries that have severely damaged my credit profile and violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
WRONG ADDRESSES REPORTED The following addresses are incorrectly listed under my credit file. I have never lived, worked, or received mail at any of these locations. Their presence constitutes a serious reporting inaccuracy and possible mixed file issue : XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX, XXXX, MA XXXX Please delete all the above addresses immediately, as they are not associated with me. 
ACCOUNTS REPORTED IN ERROR COLLECTION Account No : XXXX Date Opened : XX/XX/XXXX | Balance : {$850.00} | Status : Collection * * I dispute this collection account entirely. I do not recognize this debt, was never contacted by this collection agency, and was never provided validation as required by the Fair Debt Collection Practices Act ( FDCPA XXXX ). Please investigate and remove this account. 
UNAUTHORIZED OR EXCESSIVE HARD INQUIRIES I also noticed several inquiries that I never authorized. These inquiries were not connected to any legitimate credit application initiated by me : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent and have negatively impacted my credit score. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for every inquiry. Please remove all the above inquiries from my report immediately.

LEGAL GROUNDS These reporting violations breach the following consumer protection laws : FCRA 602 Ensures fair and accurate credit reporting.

FCRA 607 ( b ) Requires credit bureaus to maintain maximum possible accuracy.

FCRA 611 Grants consumers the right to dispute and require reinvestigation of inaccurate information.

FCRA 623 ( b ) Requires furnishers to correct and update inaccurate data after notice of dispute.

FDCPA 809 ( a ) Requires debt collectors to validate debts before reporting or collection actions.

Despite my prior efforts to correct these issues, the credit bureaus and furnishers have failed to comply with these federal requirements. 
REQUESTED ACTIONS I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure : XXXX. Removal of all false and unverifiable addresses. 
XXXX. Deletion of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXccounts. 
XXXX. Investigation into the unauthorized hard inquiries listed above. 
XXXX. Enforcement of compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
These inaccuracies are severely impacting my financial opportunities and personal credibility. I am requesting full reinvestigation and written confirmation of the results from each credit bureau and creditor involved. 
Thank you for your time and attention to this matter. I trust that the CFPB will ensure that these reporting entities are held accountable and that my credit report is corrected immediately.

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