Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized items appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to report only accurate information, conduct reasonable investigations of disputed items, and remove any unverifiable or inaccurate information. Despite my prior disputes, the following items remain incorrectly reported, harming my creditworthiness and causing undue stress and financial disadvantage. I demand immediate reinvestigation and correction of all inaccurate or unauthorized entries. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no residential or financial connection to this address. Reporting it demonstrates a direct violation of FCRA 604 ( a ) ( 2 ) for associating my file with an address without a permissible purpose. This misreporting also reflects negligent reinvestigation under Section 611 ( a ). It must be deleted immediately to protect the integrity of my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is completely inaccurate and has been disputed before. Continuing to report it violates FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). Any record of this address is unverifiable and must be removed. Failure to do so constitutes a willful disregard for consumer rights and lawful data handling standards. 

Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX I never authorized this inquiry or applied for credit with this entity. Reporting this inquiry violates FCRA 604 ( a ) ( 2 ) and exposes my private information without permissible purpose. I demand its immediate removal and an explanation of how this entity accessed my file. 

XXXX XXXX XXXX - XX/XX/XXXX This unauthorized inquiry reflects a clear breach of FCRA 604 and 607 ( b ). I did not consent to any application, and your continued reporting reflects failure to protect my privacy under FCRA 602A. Remove it promptly to avoid further violation. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No consent was provided. This inquiry represents unlawful access under FCRA 604 ( a ) and must be removed immediately. Keeping this record after multiple disputes demonstrates willful disregard of my rights and noncompliance with reinvestigation duties. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This duplicate inquiry shows repeated violations of FCRA 604 and 607 ( b ). No application exists under my name. Keeping it damages my score and misrepresents my credit behavior, violating the duty of accuracy. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized and fraudulent inquiry. Reporting it violates FCRA 604 ( a ) ( 3 ) ( A ). No application was made, and continued presence reflects gross negligence in maintaining data accuracy. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or authorization. It represents illegal access under FCRA 604 ( a ) ( 2 ). I never gave any written or verbal consent to this entity. 

XXXX XXXX XXXX  - XX/XX/XXXX Unauthorized and harmful inquiry that violates FCRA 604. It has been disputed previously and must be deleted to prevent further score impact. Continuing to report it proves willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without any application or consent from me. It is a violation of FCRA 604 ( a ). No legitimate connection exists between me and this creditor. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized access of my consumer file without permissible purpose violates FCRA 604 ( b ) ( 3 ). No records of consent exist, and this inquiry harms my credibility with lenders. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was never approved or authorized by me. Reporting this violates FCRA 604 ( a ) and 607 ( b ) for failing to maintain accuracy and proper verification. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry that breaches FCRA 604 and 616. I never applied for credit or gave consent to this entity to review my personal credit data. 

XXXX XXXX - XX/XX/XXXX This inquiry is inaccurate and was not authorized by me. Keeping it violates FCRA 607 ( b ) and 604 ( a ). You are required to remove this record immediately to avoid further legal consequences. 

XXXX - XX/XX/XXXX No consent or credit application was made with XXXX XXXX  or any affiliate. This inquiry violates FCRA 604 ( a ) ( 3 ) ( A ). Continued reporting demonstrates willful negligence. 

XXXX XXXX - XX/XX/XXXX This unauthorized inquiry violates FCRA 604 and 607 ( b ). I never sought credit from this entity and request its deletion from my credit profile immediately. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized and unlawful access of my credit file without permissible purpose, violating FCRA 604 ( a ) ( 2 ). Keeping it shows failure to uphold accuracy obligations. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate inquiry violating FCRA 604 and 607 ( b ). I have never provided authorization for this action, and it must be deleted from my file. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized inquiry with no proof of consumer consent. Reporting it is a clear violation of FCRA 604 and Section 611 for ignoring prior disputes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate and unauthorized entry. No valid application was made under my name, violating FCRA 604 and 607 ( b ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is fraudulent and must be deleted immediately. Reporting it violates FCRA 604 ( a ) ( 2 ) and shows disregard for accurate file maintenance. 

XXXX XXXX - XX/XX/XXXX Repeated unauthorized inquiry violating FCRA 604 and 611 ( a ). I never applied for any services from this entity, and your failure to remove it shows noncompliance. 

XXXX XXXX - XX/XX/XXXX Duplicate unauthorized inquiry violating FCRA 604 ( a ) ( 2 ). I never consented to any credit request with this entity. 

XXXX XXXX - XX/XX/XXXX Unauthorized inquiry that violates FCRA 604 ( a ). I did not give permission to this company or its affiliates to access my report.

The continued presence of inaccurate addresses and unauthorized inquiries is a clear violation of FCRA 1681i, 1681b, and 1681e ( b ). I request that CFPB ensure my credit report is corrected in full, with a written confirmation of removal for the disputed items. Accurate reporting is my legal right, and I expect prompt action to rectify these errors to prevent further harm to my financial reputation.

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