Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for willfully and negligently reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681b. The following are the specific issues I request immediate investigation and correction for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Law Violated : FCRA 15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy Explanation : This address has never been associated with me in any capacity. I have never lived, received mail, or conducted any business at this address. Including this false address on my credit file constitutes inaccurate reporting, is misleading to current and potential lenders, and affects my ability to obtain credit, housing, or employment. Experians failure to verify and remove this incorrect address demonstrates a lack of reasonable procedures to assure maximum possible accuracy as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Law Violated : FCRA 15 U.S. Code 1681e ( b ) Explanation : This address is completely unfamiliar to me. I have never resided or had any verifiable relationship with this location. Its presence on my Experian credit report is false, misleading, and damaging. This kind of error reflects a failure on the part of Experian to maintain proper procedures to prevent the inclusion of incorrect personal information, thereby violating the FCRA. 
XXXX XXXX XXXX Inquiry Date : XX/XX/year> Issue : Unauthorized/Unfamiliar Hard Inquiry Law Violated : FCRA 15 U.S. Code 1681b ( c ), 1681b ( f ) Permissible purpose for pulling credit Explanation : I did not authorize XXXX XXXX XXXX to pull my credit report. I did not apply for any service, credit, or financial product with this institution. The presence of this hard inquiry is a clear violation of FCRA Section 604, which requires a valid, permissible purpose for obtaining a consumers credit report. Experian has failed to verify the legitimacy of this inquiry or notify me of the unauthorized access. 
Expanded Story / Summary : Experian has repeatedly failed to ensure the accuracy of my credit report and has included personal information and inquiries that are completely unrelated to me. These errors not only violate federal law under the Fair Credit Reporting Act but have caused me severe emotional distress, financial embarrassment, and denials of credit. I have made multiple attempts to dispute these inaccuracies directly with Experian, but they have either failed to respond properly or refused to remove the incorrect information despite the lack of verification. Their failure to maintain reasonable procedures, to reinvestigate disputes thoroughly, and to correct inaccurate data after being notified, all demonstrate a pattern of willful noncompliance with the FCRA. I am requesting that CFPB investigate Experian 's ongoing reporting failures, enforce full removal of the erroneous information listed above, and hold Experian accountable for violating my rights as a consumer under the Fair Credit Reporting Act. I further request that Experian provide a written confirmation of these removals and explain what procedures they are using to prevent future errors.

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