Consumer complaint received 2025-07-09 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 due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX, CA XXXX Issue : Incorrect and unverified address reporting Law : FCRA 1681e ( b ) requires maximum possible accuracy Story : This address is unknown to me. Including it on my credit file creates confusion and invites identity misassociation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is not mine and should not be connected to my profile Law : FCRA 1681i ( a ) ( 1 ) ( A ) gives me the right to dispute and demand verification Story : I have no history or affiliation with this location, and I request its permanent removal from all recordXXXX XXXX XXXXnquiry Date : XX/XX/XXXX ( Duplicate ) Issue : Duplicate unauthorized inquiry Law : FCRA 1681b ( a ) ( 3 ) requires permissible purpose for each inquiry Story : This appears to be a repeated unauthorized pull from XXXX. I did not consent to this and request its deletion for violating consumer rights XXXX Inquiry XXXX : XX/XX/XXXX Issue : Unverified inquiry causing credit score harm Law : FCRA 604 mandates inquiries only with permissible purpose Story : I have no dealings with this creditor and did not initiate a credit request. This inquiry was made without authorization and is harming my creditworthiness XXXX Inquiry Date : XX/XX/XXXX ( Duplicate ) Issue : Duplicate hard inquiry without consent Law : FCRA 1681b ( f ) prohibits unauthorized access to consumer files Story : This double-pull on the same date is alarming and fraudulent in nature. I demand immediate removal and inquiry suppression XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry from XXXX XXXX Law : FCRA 1681b ( a ) ( 3 ) ( A ) allows inquiries only for a credit transaction Story : I did not apply for credit with XXXX XXXXXXXX on this date and no consent was given. Remove this hard pull from my report XXXX XXXXXXXX NA Inquiry Date : XX/XX/XXXX Issue : Duplicate or repeated unauthorized inquiry Law : FCRA 1681b ( a ) ( 3 ) ( F ) mandates consumer consent Story : I never provided consent for a credit inquiry with XXXX XXXX on this date. I request that this item be removed from my record XXXX Inquiry Date : XX/XX/XXXX Issue : Firm inquiry without valid reason Law : FCRA 1681b prohibits inquiries without legitimate intent Story : I did not initiate this request for credit with XXXX XXXX XXXX XXXX  and this was done without my authorization. Please delete this inquiry REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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