Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Violation : FCRA 1681c ( f ), 1681e ( b ) This address is being reported inaccurately. I have never lived at or been associated with this location.

Story : This address is completely unfamiliar to me and reporting it harms the accuracy and integrity of my credit report. It may be due to identity mixing or reporting errors, and I am requesting immediate deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Violation : FCRA 1681c ( f ), 1681e ( b ) This is not a valid address connected to my identity or financial records. 
Story : I have no residency or legal connection to this address and its inclusion misrepresents my personal and financial profile. Please remove it as it contributes to inaccurate reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment * * Law Violation : FCRA 1681s-2, 1681e ( b ), and CFPB Reporting Requirements The reported late payment is inaccurate and misleading.

Story : I have no record or valid recollection of missing payments on this account. No proper notice of default or delinquency was ever received. This error is affecting my creditworthiness and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) This hard inquiry was made without my authorization or permissible purpose. 
Story : I did not apply for credit or authorize this pull. This is an unauthorized inquiry and should be removed immediately. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) There was no permissible purpose or consent for this inquiry.

Story : I never initiated any application with this institution, and the inquiry is damaging my credit profile without cause. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) This inquiry is appearing without my consent.

Story : I did not authorize this credit access. This may be the result of a mistaken or fraudulent application and must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) No permissible purpose was granted for this pull. 
Story : I have no relationship or interaction with this lender. I did not consent to any such inquiry. 

XXXX XXXX XX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) Unpermitted access to my credit file.

Story : I have not applied for credit or given permission to this creditor to access my credit report. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) This is an unauthorized inquiry. 
Story : I did not authorize any interaction or credit request with this company, and this inquiry is causing harm. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) Unlawful credit pull without a permissible purpose.

Story : This inquiry was not approved by me and is suspicious in nature. Please investigate and remove. 

XXXX XXXX XX/XX/XXXX XXXX Law Violation : FCRA 1681b ( c ) Inquiry conducted without my consent or application. 
Story : I am unaware of any activity or application with this institution. I want it removed immediately. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) This inquiry is unauthorized and invalid.

Story : I never authorized this institution to pull my credit. This is likely a mistake or misrepresentation. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Law Violation : FCRA 1681b ( c ) I did not provide consent for this credit check.

Story : I have no link or communication with this company and this inquiry must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Inquiry Law Violation : FCRA 1681b ( c ) Hard inquiry not backed by permissible purpose. 
XXXX : This inquiry is unfamiliar and unauthorized by me. I did not request any services or applications. 

XXXX XXXX XX/XX/XXXX Inquiry Law Violation : FCRA 1681b ( c ) There is no permissible purpose for this inquiry.

Story : I have not initiated any credit application with XXXX, making this inquiry unlawful. 

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

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