Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) I am submitting this formal complaint against the credit reporting agencies ( XXXX, Experian, XXXX XXXX and any associated data furnishers for reporting inaccurate information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my ongoing attempts to resolve these issues, the following inaccurate and harmful items continue to appear on my reports : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : I have never received or forwarded mail through this address. This XXXX XXXX listing is entirely incorrect. 
Law : FCRA 1681i requires reinvestigation of disputed information and removal if unverifiable within 30 days. 
Story : Due to the presence of such addresses, I have faced obstacles in securing housing and financial products. It has raised suspicion during credit reviews that led to embarrassment and delay. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address Issue : This is another version of a false address associated with me, which is entirely inaccurate and not linked to any of my past or current residence history.

Law : FCRA 1681c and 1681e ( b ) prohibit reporting of inaccurate address data.

Story : The duplication and variation of wrong addresses have triggered fraud alerts in some systems and caused confusion when verifying my identity for job background checks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is neither mine nor related to any of my current or past locations. 
Law : Per FCRA 1681e ( b ), credit bureaus must use reasonable procedures to ensure accuracy. 
Story : This entry has led to false assumptions by creditors regarding my location and financial behavior, unfairly damaging my reputation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address Issue : I have never lived at this address, and it does not belong on my report. 
Law : Under FCRA 1681i, I demand an investigation and removal unless full documentation proves I resided there. 
Story : The consistent appearance of these wrong addresses makes me vulnerable to identity theft or mixed credit files, severely affecting my ability to rebuild and protect my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00XXXX XXXX XXXX Late Payment Issue : This account is inaccurately reported as having late payments, which is damaging my score. I request full verification and a detailed payment history audit. 
Law : Under FCRA 1681s-2 ( a ), furnishers of information must ensure the accuracy of what they report. If the data is disputed, they must investigate under 1681s-2 ( b ). 
Story : I have had significant challenges including a period of illness and financial hardship during the timeframe in question. I was actively communicating with loan servicers to avoid delinquency. Reporting late payments without reflecting the hardship accommodations or forbearance I requested is unjust and misleading. 
XXXX XXXX XX/XX/XXXX Hard Inquiry Issue : I did not authorize this inquiry, and I have never applied for any credit with XXXX XXXX  on or around this date.

Law : FCRA 604 ( a ) ( 2 ) requires that a permissible purpose and consent must be provided for a hard inquiry.

Story : This hard inquiry was done without my knowledge or consent and appears to be unauthorized. It is suspicious and raises concern that someone may have attempted to apply for credit using my identity or it was done in error. This is affecting my credit score unfairly by reducing my rating for an action I did not initiate. 
Despite my written disputes, the credit bureaus have failed to properly investigate and correct the above information as required by law. I am now escalating the matter to the CFPB for further investigation and enforcement action. I request that the CFPB demand the removal of these false addresses, inaccurate payment history, and unauthorized inquiry from my credit report immediately. I am also requesting that any party found in violation of the FCRA be held accountable and that my credit file be updated to reflect only accurate, verifiable, and lawful information.

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