Consumer complaint received 2025-08-27 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: OK

Complaint narrative:
To Whom It May Concern This letter serves as my formal dispute and complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and all other applicable consumer protection laws. I am demanding the immediate investigation, correction, and removal of inaccurate, incomplete, unverifiable, and damaging information that has been wrongfully reported on my credit file. I am the victim of multiple errors including wrong address reporting, unauthorized inquiries, and misrepresented account payment history. The reporting of this information has caused me significant financial harm, emotional distress, and has directly violated my rights under federal law which require credit bureaus and furnishers to report only accurate and verifiable information. 
Wrong Address Issues ( Violation of FCRA 607 ( b ) ) XXXX XXXX XXXX XXXX XXXX, KY XXXX Wrong Address This is not my address, I have never lived there, and yet it is tied to my credit file. The presence of this false address creates the risk of identity confusion and raises suspicion when lenders or creditors pull my report. I have had to answer questions about why this address is on my file, which makes me appear dishonest and unreliable when in fact it is a reporting error. This wrong address damages my credibility and has caused embarrassment during financial applications. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX Wrong Address I have never lived at this address and it has no connection to me. Having this false address attached to my file creates confusion about my identity and financial history. It creates the appearance of instability, as though I have lived in multiple places I never resided in. This has harmed me when applying for housing and credit because I am forced to explain errors that should never have been there. This wrong address reporting is a direct violation of my rights to accurate information under FCRA 607 ( b ). 
Account Issue XXXX XXXX XXXX  XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : Late Payment This account is reporting inaccurate and incomplete payment history. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or reasonably should know is inaccurate. The late payment being reported has never been properly validated and is unfairly damaging my payment history record. Because of this, I have faced serious harm : I was denied better financing on a vehicle purchase, I was rejected for a credit card, and I was offered high interest rates that drained my income. This inaccurate late payment is making it impossible for me to build a stable financial foundation. Lenders look at payment history first, and the presence of this false late payment is preventing me from moving forward with my financial goals. This error continues to damage my reputation and causes emotional stress as I constantly have to defend myself for a payment issue that never happened. 
Unauthorized/Improper Hard Inquiries ( Violation of FCRA 604, 609, 610, 616, 617 ) XXXX XXXX XXXX XX/XX/XXXX Inquiry I never authorized this inquiry. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required before a credit report can be accessed. No such purpose exists. This false inquiry misrepresents me as seeking auto financing. It lowered my score and made lenders suspicious. I was denied a personal loan because this inquiry made it appear that I was already overextended. This is a violation of my privacy rights and has caused measurable harm. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was placed without my permission, violating FCRA 604 and 610. It falsely signals that I applied for financing, when I did not. Because of this, I was questioned by a bank officer when applying for credit, causing humiliation and stress. It has lowered my score and cost me favorable lending terms. This misreporting damages both my financial standing and my credibility. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was run without my consent, violating FCRA 604 and 609. It has no permissible purpose and unfairly lowered my score. Because of this, my mortgage pre-approval was delayed, and I had to explain false applications that never happened. This caused embarrassment and stress with my family who relied on me for stable housing. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Another unauthorized inquiry violating FCRA 604 . It paints me as someone desperate for credit. When I applied for a legitimate credit card, this inquiry made me appear high-risk, and I was denied. This is false, unfair, and has caused me financial harm. FCRA 617 makes you liable for negligent noncompliance. 
XXXX  XX/XX/XXXX Inquiry Unauthorized inquiry with no permissible purpose, violating FCRA 604 . It has lowered my score and flagged me as applying for credit I never sought. When questioned about it, I was left humiliated and treated as dishonest. This has caused damage to my reputation and emotional distress. 
Overall Harm and Liability Each of these inquiries is a separate violation of the law. FCRA 604 requires permissible purpose, FCRA 609 requires disclosure, FCRA 610 prohibits unauthorized pulls, and FCRA 616617 hold you liable for damages caused by willful or negligent noncompliance. These inquiries collectively damage my credit score, reputation, and financial opportunities. They have caused me denials, higher interest rates, and emotional stress. You are legally obligated to remove them immediately. 
Demand for Relief I demand that the above wrong addresses be permanently deleted, that the unauthorized inquiries be removed, and that the inaccurate late payment on my XXXX XXXX XXXX XXXX account be corrected or deleted if unverifiable. Under FCRA 611, you are required to investigate and respond within 30 days of receipt of this letter. If these errors are not corrected, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for statutory damages.

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