Consumer complaint received 2025-07-29 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: WI

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies and/or the entities that are furnishing inaccurate and unauthorized information on my credit report. I am a victim of repeated violations of the Fair Credit Reporting Act ( FCRA ), including the inclusion of false addresses and unauthorized hard inquiries which are causing significant financial and personal harm. 
Below is a breakdown of each disputed item, along with the associated legal violation and the real-world impact it has had on my life : XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS This address is inaccurately listed on my credit report. I have never resided at or had any association with this location. Including incorrect personal information on a credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 602 ( a ), which ensures accurate and fair credit reporting.

Issue : This address is harming my identity record and creating confusion with unrelated third-party data.

Request : Please immediately remove this address from my credit profile. 
XXXX XXXX XXXX, XXXX XXXX, WI XXXX WRONG ADDRESS This address has no valid or legal connection to me whatsoever. It appears to be mixed with another consumers file.

Legal Reference : Per FCRA Section 605 ( b ), any information that can not be verified must be deleted promptly.

Story : This entry has caused serious confusion during background checks and misdirected communications, threatening my privacy and security. 
Request : Kindly investigate and remove this inaccurate address. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Issue : I did not authorize or initiate this hard inquiry into my credit file. This may be a result of identity confusion or inaccurate file merging.

Violation : As per FCRA Section 604 ( a ) ( 3 ), a hard inquiry can only be made with the consumer 's permission or in connection with a legitimate application.

Story : I have faced multiple issues with unauthorized inquiries in the past that have negatively affected my credit score. This specific inquiry was made without my consent.

Request : Please remove this inquiry immediately.

These repeated violations reflect a systemic failure to safeguard and verify consumer identity. The presence of unauthorized and inaccurate information is causing me financial loss, stress, and loss of access to essential services. I have already submitted direct disputes to the credit bureaus and have not received adequate resolution.

I am requesting the CFPBs assistance in : 1. Enforcing removal of the incorrect addresses and unauthorized inquiries.

2. Holding the reporting agencies and data furnishers accountable under federal law.

3. Ensuring compliance with FCRA to prevent recurrence of these issues. 
Please consider this complaint urgent due to the continuing damage to my personal and financial well-being.

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