Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am filing this complaint because multiple wrong addresses and unauthorized inquiries continue to appear on my credit file despite prior disputes. These items violate my rights under the FCRA and I am requesting CFPB assistance.

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This address has never belonged to me, and your continued reporting of it after multiple disputes violates your obligations under FCRA 607 ( b ) to maintain maximum accuracy. No documentation has been provided showing I lived here, and reporting an address without verification violates FCRA 611 ( a ) when a consumer directly disputes the accuracy of the information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this location. Reporting an address with no ownership or residency connection to me violates FCRA 609 ( a ) because you have not supplied the required source of the data. My previous disputes required a reinvestigation under FCRA 611 ( a ), but no proof has ever been supplied. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no affiliation with this property. Continuing to associate me with an unverified address violates FCRA 602A and 607 ( b ). You have not provided any documentation showing I resided here, which violates the reinvestigation requirements of FCRA 611 ( a ) ( 2 ).

INQUIRY XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), a permissible purpose must exist, and you are required under FCRA 611 ( a ) ( 1 ) to delete any inquiry that can not be verified with documented authorization. 

XXXX XXXX XX/XX/XXXX I never granted permissible purpose for this credit pull. Reporting an inquiry without written authorization violates FCRA 604 ( a ) and must be removed if the furnisher can not supply evidence during reinvestigation per FCRA 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. You are required under FCRA 604 and 607 to ensure permissible purpose exists. Since none has been provided after multiple disputes, this must be deleted under FCRA 611 ( a ). 

XXXX XXXX XXXXXX/XX/XXXX I never applied with this company. Reporting an inquiry with no permissible purpose violates FCRA 604 ( a ) ( 2 ). Failure to verify the purpose after dispute violates your reinvestigation duties under FCRA 611 ( a ) ( 2 ). 

XXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ), no entity may access my report without a legitimate purpose, and your continued reporting without proof violates FCRA 607 ( b ) and 611 ( a ). 

XXXX XXXX XX/XX/XXXX This inquiry is not mine. You have provided zero documentation showing permissible purpose under FCRA 604 ( a ). Continued reporting without verification violates FCRA 611 ( a ) and must be corrected by deletion.

I respectfully request the CFPB to require correction and deletion of all wrong addresses and all unauthorized inquiries.

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