Consumer complaint received 2025-06-26 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: OK

Complaint narrative:
I am filing this formal complaint against Experian due to their continued negligence in reporting inaccurate information on my credit file despite previous disputes. My rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), and 1681c have been repeatedly violated. The following inaccurate information remains on my credit report. I am only disputing the accounts listed below. Each item is listed with its associated problem and legal context. 
XXXX XXXX XXXX XXXX, MO XXXX Wrong Address This address is inaccurate and does not belong to me. Reporting an address that I have never lived at constitutes a violation of FCRA 1681e ( b ), which requires Experian to maintain maximum possible accuracy of consumer information. It is also a breach of FCRA 1681i, which obligates Experian to reinvestigate any disputed item. Failure to remove this incorrect address creates the false impression that I have resided at a location that I have no association with, which can negatively influence lenders decisions and expose me to identity fraud risks. 
XXXX XXXX Date : XX/XX/XXXX This hard inquiry was made without my authorization or any permissible purpose under FCRA 1681b . I never applied for credit with Vervent/TBOM, and therefore this inquiry is a direct violation of my rights. Hard inquiries impact credit scores and can misrepresent consumer behavior to potential lenders. Reporting an unauthorized inquiry harms my credit profile and violates FCRA 1681b ( f ), which restricts users of consumer reports from obtaining them without a permissible purpose. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did not initiate any application for credit with XXXX XXXX  This unauthorized inquiry constitutes a violation of FCRA XXXX, as it was made without my consent. Experian failed to properly verify the legitimacy of the inquiry, breaching its duty under FCRA 1681e ( a ), which mandates reasonable procedures to ensure that consumer reports are provided only for permissible purposes. This inquiry has adversely impacted my credit score, despite being unauthorized and fraudulent. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX This inquiry appears on my report without my knowledge or permission. I never gave consent to XXXX XXXX XXXX XXXX to pull my credit report, which makes this a violation of FCRA 1681b ( c ) and 1681e. By including this inquiry without verifying its legitimacy, Experian has misrepresented my credit activity and failed its obligation to ensure accuracy and privacy in reporting.

I am demanding that Experian immediately delete the above inaccurate address and unauthorized inquiries from my credit report and conduct a thorough investigation as required by FCRA 1681i ( a ). I also request that Experian provide me with the results of its investigation in writing within the legal 30-day time frame. Continued reporting of this inaccurate information reflects willful noncompliance with federal law, which may result in statutory damages under FCRA 1681n and 1681o.

Please treat this complaint with the utmost urgency and ensure full compliance with federal consumer protection laws.

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