Consumer complaint received 2025-10-20 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 Whom It May Concern, I am writing this complaint to bring to your attention multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and related consumer protection laws. My rights as a consumer have been compromised by inaccurate reporting, improper data handling, and failure of the credit bureaus and furnishers to maintain maximum possible accuracy as required under federal law. The following items reflect errors and violations that have caused me harm, and I am requesting an immediate investigation, deletion, and correction of all inaccurate information reflected below without delay. 

Address : XXXX XXXX XXXX XXXX, FL XXXX This address is incorrectly reported as associated with me. I have never resided at or had any connection with this location. FCRA Section 607 ( b ) mandates that all reported information be accurate, complete, and properly verified. Repeated reporting of this false address without verification violates my consumer rights and can lead to potential identity confusion. I request immediate removal and confirmation of deletion. 

XXXX XXXX XXXX XXXX, FL XXXX This address is not and has never been mine. Reporting false identifying information is a violation of FCRA Sections XXXX ( b ) and XXXX, which require credit bureaus to ensure all data is accurate and to reinvestigate any disputes promptly. Continuing to report this incorrect address demonstrates a failure to comply with federal law and harms my identity accuracy. Immediate deletion is required. 

XXXX : XXXX XXXX XX/XX/year> This hard inquiry was made without my authorization and lacks a permissible purpose. FCRA Section 604 ( a ) ( 2 ) and Section 606 require that all inquiries on a consumer report have a legitimate reason and documented consumer consent. This inquiry constitutes a violation of my privacy and must be removed. 

ALLY FINANCIAL XX/XX/year> I did not authorize this inquiry. Under FCRA Sections 604 and 606, any inquiry must have a permissible purpose. Unauthorized reporting of this inquiry violates my consumer rights, and I request immediate deletion. 

XXXX XXXX XXXX XX/XX/year> No application or credit request was made by me. FCRA Sections 604 ( a ) ( 2 ) and 606 require consent and legitimate purpose, which are absent here. This unauthorized inquiry is inaccurate and must be removed. 

XXXX XXXX XX/XX/year> This inquiry was performed without my knowledge or consent. FCRA Section 604 mandates permissible purpose ; this is not met. I demand deletion and proper documentation from the furnisher. 

XXXX XXXX XXXX  XX/XX/year> I did not authorize this inquiry. Reporting this without verification violates FCRA Sections XXXX and XXXX. Removal is required to correct my credit report. 

CONSUMER PORTFOLIO SVC XX/XX/year> Unauthorized inquiry ; no permissible purpose exists as required by FCRA XXXX XXXX ( a ). XXXX deletion is demanded. 

XXXX XXXX AUTO FIN XX/XX/year> This inquiry was unauthorized. FCRA Section 604 requires legitimate purpose ; none exists here. Deletion and documentation required. 

XXXX XXXX XX/XX/year> I did not authorize this inquiry. Reporting this entry violates FCRA Sections 604 and 606. I demand immediate removal. 

XXXX BANK XXXX XX/XX/year> No application or consent was given. FCRA Section 604 ( a ) ( 2 ) requires permissible purpose for all inquiries. Deletion is required to correct this violation. 

Each of these issues reflects a clear failure by the credit bureaus and data furnishers to uphold their obligations under the FCRA, FCBA, and FACTA. As a result, I have suffered unnecessary stress, emotional distress, and financial harm due to the inaccurate and unverified information on my credit file. I respectfully request that the CFPB intervene to ensure full compliance with federal law and enforce proper corrective measures, including deletion of all unverifiable information, removal of unauthorized inquiries, and correction of any remaining inaccuracies in my credit report. 
Thank you for your attention to this matter and for upholding the rights of consumers under the law.

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