Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Address Issue : This is a wrong address on my credit file Law : FCRA 607 ( b ) Story : I never resided here and its presence is misleading for my credit profile XXXX XXXX XXXX XXXX XXXX, NV XXXX Address Issue : Never lived here Law : FCRA 609 ( a ) ( 1 ) Story : This address does not belong to me and should be removed immediately XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$6000.00} * Issue : I dispute this late payment as inaccurate Law : FCRA 611 ( a ) Story : This reporting is incomplete and misleading. I demand verification with signed documentation under Metro 2 Compliance XXXX XXXXXXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized hard inquiry Law : FCRA 604 ( a ) ( 3 ) Story : I never authorized this inquiry and did not apply for any service from this entity XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : Inquiry unauthorized and not initiated by me Law : FCRA 604 ( a ) ( 2 ) Story : I did not give permission for this inquiry and was not shopping for auto financing with this company XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) ( A ) Story : This credit pull happened without my consent or knowledge XXXX XXXX XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX did not apply for any credit Law : FCRA XXXX Story : This is an unauthorized inquiry that negatively affects my credit XXXX XXXX XXXX XXXX on XX/XX/XXXX Issue : No consent was given for this pull Law : FCRA 604 ( a ) ( 3 ) Story : This inquiry is harming my score and was not approved by me XXXX XXXX XXXXXXXX XXXX Inquiry on XX/XX/XXXX Issue : Hard inquiry done without permission Law : FCRA 604 Story : I did not engage in any transaction with this company XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : No permissible purpose Law : FCRA 604 Story : I never interacted with this business or signed any credit application XXXX XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized and misleading Law : FCRA 604 Story : I did not apply for auto financing with XXXX XXXX  XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized pull Law : FCRA 604 Story : This hard pull is negatively affecting my credit and must be removed XXXX XXXXXXXX XXXX Inquiry on XX/XX/XXXX Issue : Inaccurate inquiry Law : FCRA 604 Story : I never authorized this, nor did I engage in a transaction XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Not initiated by me Law : FCRA 604 Story : I do not have any current or past credit relationship with them XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unpermitted access to my credit file Law : FCRA 604 Story : I demand this be removed as it was not consented XXXX XXXX Inquiry on XX/XX/XXXX Issue : I did not initiate this inquiry Law : FCRA 604 Story : My credit was pulled without my approval XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized hard pull Law : FCRA 604 Story : This should not be present in my credit report XXXXXXXX XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Inquiry done without permissible purpose Law : FCRA 604 Story : I did not apply for credit with them XXXX XXXXXXXX Inquiry on XX/XX/XXXX Issue : I did not approve this Law : FCRA 604 Story : No credit transaction with this company took place XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : No authorization from me Law : FCRA 604 Story : This was not part of any credit request initiated by me XXXX XXXX Inquiry on XX/XX/XXXX Issue : Not initiated by me Law : FCRA 604 Story : I have not dealt with XXXX XXXX in any form XXXX XXXX Inquiry on XX/XX/XXXX Issue : Duplicate inquiry Law : FCRA 604 Story : This company is reporting multiple inquiries without valid consent XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : Unverified inquiry Law : FCRA 604 Story : I demand proof of authorization for this pull XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unrecognized inquiry Law : FCRA 604 Story : This hurts my score and I never interacted with this company REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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