Consumer complaint received 2025-08-19 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 to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 ( a ) ( 1 ) ( A ) requires accurate identification information, and Section 611 requires correction of inaccuracies.

Issue : This address is not my current or previous residence and should not be linked to my personal credit file.

Story : This address appears on my report in error and may belong to another consumer. Its continued reporting creates a false connection and damages the integrity of my personal identifying information. 
Instruction : Please delete this address from my credit report as it is inaccurate and unverifiable. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 provide me the right to dispute and demand removal of incorrect addresses.

Issue : This address does not belong to me and is reported incorrectly. 
Story : I have never lived at or been associated with this address. Linking this address to my file is misleading and creates confusion regarding my true credit history. 
Instruction : Remove this inaccurate address from my file as it violates my rights under the FCRA. 

Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) requires that hard inquiries must have permissible purpose and consumer authorization. Section 611 allows me to dispute unauthorized inquiries. 
Issue : This inquiry was placed on my credit report without my authorization or knowledge. 
Story : I did not apply for credit with XXXXXXXX XXXX XXXXXXXX on or around the listed date. This inquiry is fraudulent or erroneous and negatively affects my credit score without justification. 
Instruction : Please delete this unauthorized inquiry immediately as you are required to reinvestigate and remove unverifiable or unauthorized information. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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