Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
Summary of Complaint : My credit report contains multiple serious inaccuracies, including addresses I have never lived at, an account reporting false late payments despite showing a {$0.00} balance, and unauthorized hard inquiries without my consent or any permissible purpose. These are clear violations of the Fair Credit Reporting Act ( FCRA ) and have caused harm to my creditworthiness, increased borrowing costs, and emotional distress.

Under FCRA 602 ( A ), Congress has recognized the importance of accurate credit reporting to protect consumers and the economy. The continued reporting of inaccurate and unverifiable information by the credit bureaus and furnishers is a direct violation of FCRA 607 ( b ) ( Maximum Possible Accuracy ) and FCRA 611 ( Reinvestigation of Disputed Information ). These violations have caused substantial harm to my ability to secure fair credit terms. 
I have listed below each disputed item with its Issue, Law, and Story to show the nature of the violations in detail : XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address I have never lived at or been associated with this address. 
Law : FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy. Reporting an address with no connection to me is a violation.

Story : This address has been falsely attached to my credit file without any verification or permissible purpose. Its presence can indicate identity theft or file merging errors. Having an unrelated address tied to my report gives lenders the false impression of instability and raises fraud alerts, which directly harms my creditworthiness. The credit bureaus failure to remove it after previous disputes shows reckless disregard for my rights under the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address I have no residency history at this address. 
Law : FCRA 611 ( a ) mandates a proper reinvestigation of disputed information.

Story : This address appears to have been added without consent, authorization, or proof. Such errors can result from a mixed file with another individual, which the credit bureau is obligated to prevent. Having this wrong address listed could link me to accounts, debts, or legal matters that have nothing to do with me, creating financial and reputational damage. 
XXXX XXXX XXXX XX/XX/year> Issue : Unauthorized Hard Inquiry No permissible purpose.

Law : FCRA 604 ( a ) limits credit pulls to situations with permissible purpose.

Story : I did not authorize this inquiry and have no application or transaction with this entity. Hard inquiries without consent lower my credit score and signal fraudulent activity. This inquiry appears to have been initiated without my knowledge, and the bureaus failure to remove it is a violation of my privacy rights. 
XXXX XXXX XXXXXXXX XXXX  XX/XX/year> Issue : Unauthorized Hard Inquiry No permissible purpose or consent. 
Law : FCRA 604 ( a ) ( 2 ) and 615 require consumer consent before a hard inquiry is performed. 
Story : I have never applied for financing with XXXX XXXX XXXX on or near this date. This inquiry lowers my score and may signal to potential lenders that I am seeking excessive credit, which is not true. Its continued presence without proof of authorization is unlawful and harmful. 
Impact on Me : These violations have caused my credit score to drop, resulting in higher interest rates, credit denials, and emotional stress. They misrepresent my identity, payment history, and credit behavior. These inaccuracies remain despite my disputes, showing the credit bureaus and furnishers have failed to comply with their legal obligations. 
Relief Requested : I request that the CFPB : XXXX. Investigate the listed violations. 
XXXX. Direct the credit bureaus and furnishers to delete the wrong addresses, false late payment, and unauthorized inquiries. 
XXXX. Require written proof of corrections. 
XXXX. Take enforcement action if willful noncompliance is found. 
I am providing proof of identity, proof of current address, and a copy of my credit report highlighting the disputed items.

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