Consumer complaint received 2025-07-16 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 submitting this complaint because my credit report contains multiple serious inaccuracies and unauthorized inquiries that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). These errors are harming my creditworthiness, reputation, and emotional well-being. I am providing full details below for your review and immediate action. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Wrong Address This address is completely inaccurate. I have never lived at, worked at, or been associated with this location in any way. Its presence in my credit file is misleading and damaging. This erroneous reporting violates FCRA Section 602 ( a ), which protects consumers from having incorrect information in their credit files. I am concerned that this could be the result of mixed file error or even potential identity theft. I have experienced credit denials due to confusion surrounding this address, including denial of rental applications and loan underwriting delays. It also resulted in me being asked by financial institutions to verify my identity repeatedly, leading to humiliation and hardship. I demand immediate removal of this address from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Wrong Address I have no connection to this address and have never lived or conducted any financial transactions from this location. Reporting this as my address violates FCRA Section 605B, which requires consumer reporting agencies to block any inaccurate or identity theft-related information from a consumer report within four business days. This address has triggered lenders to flag my account for fraud risk, and Ive been declined a car loan and had to go through multiple manual identity verifications. This has caused significant emotional distress and wasted hours of my time. This address must be removed from all credit bureau files immediately. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry I have not authorized XXXX XXXX XXXX XXXX to access my credit report at any time, especially not on the stated date. FCRA Section 604 ( a ) ( 3 ) requires a permissible purpose for pulling credit. I did not submit any application or consent to this inquiry. It appears to have originated from an auto dealership without my knowledge. Due to this, I faced rejection from a home rental application where the landlord saw multiple inquiries and deemed me a high-risk applicant. This has emotionally drained me and harmed my rental opportunities. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Inquiry I did not authorize XXXX XXXX  or any entity operating as XXXX  to access my credit file on this date. This inquiry appears to be placed without my permission and is in violation of FCRA 604. I believe my information was either shared without my consent or was accessed by a dealership where I had only inquired about a car but did not authorize a hard pull. This inquiry has adversely impacted my score and credibility, and I demand that it be removed and investigated. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry This inquiry is completely unauthorized. I have no business relationship with XXXX XXXX XXXX. I never requested or applied for any loan or service from this company. The inquiry violates FCRA rules on permissible purpose. Due to this, my credit score dropped and I was denied approval for a personal loan from my credit union, which directly affected my emergency financial planning. This has caused both emotional and financial damage, and I request immediate deletion and investigation. 
XXXX XXXX  XX/XX/XXXX Unauthorized Inquiry I did not consent to any credit report access by XXXX or XXXX XXXX XXXX This inquiry was done without my approval, and it may have been linked to a third-party dealer who misused or shared my information. Under FCRA Section 604, this access is illegal. This unapproved inquiry resulted in a drop in my credit score, which caused me to lose favorable loan terms with another lender. I was forced to accept a higher interest rate due to the lowered score. This has created a financial burden on me that I should not have been forced to endure. 
XXXX XXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize XXXX XXXX  or any associated entity to pull my credit on XX/XX/XXXX. I did not make any application, nor was I contacted for verification. I suspect this may have been the result of a data-sharing process between auto dealers or possibly fraudulent activity. This inquiry has affected my ability to secure housing and caused stress and concern for my financial safety. This is a violation of FCRA Section 604 and must be deleted immediately. 
XXXX XXXX XXXX OF XX/XX/XXXX Unauthorized Inquiry I did not authorize any inquiry from XXXX XXXX or XXXX  XXXX on this date. I did not visit, communicate with, or submit any application to this business. This inquiry was performed without my knowledge or consent and reflects a serious violation of my consumer rights under the FCRA. As a result of this inquiry, my credit score decreased, which led to me being denied a balance transfer on a major credit card. This denial increased my financial burden with interest and reduced my available credit. I request immediate deletion and investigation into how this access was granted. 
XXXX XX/XX/XXXX Unauthorized Inquiry I did not authorize XXXX to access my credit report on the stated date or any date. I have never initiated contact or applied for any loans with XXXX. This inquiry was placed without my knowledge and is a clear violation of FCRA Section 604. The result of this has been devastating. I had been pre-approved for a mortgage but was subsequently denied due to excessive recent inquiries, including this one. This single unauthorized entry cost me a home and impacted my family. I urge a complete investigation and removal of this inquiry. 
I am formally requesting that all of the above addresses and inquiries be investigated and permanently removed from all credit bureaus. These actions violate the Fair Credit Reporting Act, and I am prepared to escalate this matter further if necessary. Please provide me with a written resolution and confirmation that these items have been removed or corrected.

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