Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the major credit reporting agencies ( Experian, XXXX, and XXXX  ) for willfully reporting false personal information and allowing unauthorized hard inquiries to appear on my credit report. These violations have severely impacted my credit profile and go against my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit file, I identified multiple inaccurate addresses and unauthorized inquiries that I did not approve, consent to, or initiate. The false and unverifiable information is listed below : WRONG ADDRESSES REPORTED : XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL, XXXX WRONG ADDRESS These addresses are completely inaccurate and have no association with my personal, residential, or employment history. I have never lived, received mail, or conducted any business at these locations. Reporting such false addresses creates confusion, potential identity theft risk, and a misleading credit file. Under the FCRA, you are required to maintain only verifiable and accurate personal identifying information. I am requesting immediate deletion of these addresses from my report. 
UNAUTHORIZED & UNVERIFIED HARD INQUIRIES : CONSUMER PORTFOLIO XXXX XX/XX/year> XXXX XXXX XX/XX/year> MID XXXX XXXX XX/XX/year> Each of the above inquiries appeared on my credit report without my authorization, consent, or any signed credit application. I have no prior dealings, contracts, or relationships with these companies that would justify a permissible purpose to access my credit file under FCRA 1681b ( a ). Any inquiry made without my written authorization or legitimate business transaction constitutes an unauthorized access and a violation of federal law.

These inquiries have caused unnecessary damage to my credit score and may have exposed my private information to third parties unlawfully. I request that these inquiries be immediately deleted from my credit file as they are unverifiable and unauthorized. 
LEGAL BASIS OF COMPLAINT : Under the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 1 ) : Requires credit bureaus to conduct a reasonable reinvestigation within 30 days of receiving a dispute.

1681e ( b ) : Mandates that all reported information be accurate and up to date.

1681b ( a ) : Limits who can access consumer credit information and for what purpose.

1681n & 1681o : Provide remedies for willful and negligent noncompliance, including statutory and punitive damages. 
The credit bureaus and furnishers have failed to comply with these sections, continuing to report inaccurate data despite being notified of these issues. This negligence has caused emotional distress, credit denials, and unnecessary financial harm.

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