Consumer complaint received 2025-08-14 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: NV

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 602A, 607 ( B ) Accuracy and Maximum Possible Accuracy Requirement Issue : This address is being reported inaccurately and does not belong to me. Reporting unverifiable or inaccurate personal identifiers violates federal law. 
Story : I have never lived at or been associated with this address. The continued reporting of this incorrect address causes confusion in my credit file and misrepresents my identity, creating potential for mixed files. I request immediate deletion under my rights to an accurate report. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 602A, 607 ( B ) Accuracy and Maximum Possible Accuracy Requirement Issue : This address is not connected to my personal history and its inclusion in my credit file is inaccurate. 
Story : I have no records, bills, or legal documents tying me to this location. The presence of this address is misleading and may cause the credit file to reflect accounts or inquiries that are not mine. I demand its removal as it can not be verified as belonging to me. 

INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : This inquiry was made without my written consent or a permissible purpose under federal law. 
Story : I did not authorize this credit pull, nor did I have an application or account relationship with this entity at the time. This inquiry is damaging my score and must be deleted. 

INQUIRY XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : This inquiry was performed without my authorization or an active credit application.

Story : I have no agreement, contract, or request with XXXX authorizing this inquiry. It is an unauthorized access to my credit file and must be removed. 

XXXX XXXX XXXX XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : No authorization or permissible purpose for this inquiry has been provided. 
Story : I did not seek credit or services from XXXX at the time of this inquiry. This is an unauthorized pull and is harming my creditworthiness unfairly. 

INQUIRY XXXX XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : This inquiry lacks proof of permissible purpose. 
Story : I have not done business with XXXX XXXX and did not request financing or credit that would justify this access to my report. Immediate deletion is required. 

INQUIRY XXXXXXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : Inquiry not supported by any permissible purpose under the FCRA. 
Story : I have never initiated a credit application with XXXX XXXX XXXX XXXX This inquiry is unauthorized and should be removed. 

INQUIRY XXXX XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : No proof of my consent to perform this credit inquiry exists. 
Story : I did not apply for financing, credit, or services with XXXX XXXX. This inquiry is unauthorized and negatively affects my score. 

XXXX XXXX XXXX XXXX XX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : No permissible purpose exists for this inquiry. 
Story : I have no application, account, or relationship with XXXX XXXX XXXX. This credit pull is unauthorized and must be deleted. 

INQUIRY XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) Permissible Purpose Requirement Issue : This inquiry was made without permissible purpose or my consent. 
Story : I have never sought financing or applied for credit with XXXX XXXX XXXX This is an unauthorized access to my credit file. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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