Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Dear CFPB, I am submitting this complaint to formally report multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and related federal protections regarding inaccurate reporting, unverified personal information, and unauthorized inquiries appearing in my credit reports with major credit bureaus. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived, rented, owned, or received mail at this address. It has no association with my identity.

Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy ; FCRA 1681i ( a ) Requires prompt deletion of unverifiable data.

Story : This wrong address creates a false narrative in my credit profile that could mislead lenders into believing I have unstable residence history or that I have engaged in activities tied to that location. Such an error can cause automated systems to flag my file for fraud alerts or increase my credit risk rating, leading to higher interest rates, denials of applications, and reputational damage. I have been forced to spend time and resources addressing potential fraud concerns caused solely by your failure to remove unverifiable data. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This location has never been part of my residence history.

Law : FCRA 1681e ( b ) & 1681i ( a ).

Story : Including this incorrect data can make creditors believe I have undisclosed addresses or hidden financial history. Mortgage underwriters, car loan lenders, and employers can interpret this as deception, causing unnecessary denials. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} Late Payment Issue : Late payment reporting is inaccurate and unverified. 
Law : FCRA 1681s-2 ( a ).

Story : This alleged delinquency is not supported by my payment records. False late payment data directly impacts my credit score, creates a history of financial irresponsibility that is untrue, and causes unnecessary emotional distress and financial loss when creditors reject applications. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2400.00} Late Payment Issue : The reported delinquency is false and unverifiable. 
Law : FCRA 1681s-2 ( a ).

Story : This negative entry misrepresents my payment habits, which can lead to higher borrowing costs, denial of credit, and loss of business opportunities. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Late Payment Issue : Inaccurate reporting without evidence. 
Law : FCRA 1681s-2 ( a ).

Story : An unjustified late payment can cause lenders to label me as a high-risk borrower, resulting in severe financial harm and mental anguish. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No permissible purpose. 
Law : FCRA XXXX681b ( f ).

Story : This entry indicates unauthorized data access, increasing the risk of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Not authorized by me. 
Law : FCRA 1681b.

Story : Unauthorized credit pulls harm my score and future borrowing ability. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : No consent given for this pull.

Law : FCRA 1681b ( a ). 
Story : Misuse of my personal data in this way is unacceptable and unlawful. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry made without authorization.

Law : FCRA 1681b ( f ).

Story : This creates a false appearance of active credit-seeking behavior. 
XXXX XXXXXX/XX/XXXX XXXX Issue : No permissible purpose.

Law : FCRA 1681b.

Story : Unauthorized inquiries like this can reduce my score and cause lender rejections. 
XXXX XX/XX/XXXX Inquiry Issue : Inquiry not authorized by me.

Law : FCRA 1681b ( a ).

Story : False entries of this na
ture are harmful to both my credit score and my personal reputation. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Not authorized by me. 
Law : FCRA 1681b ( f ).

Story : This reflects negatively on my credit report, affecting my approval rates. 
REQUEST FOR CFPB INTERVENTION I have disputed these items directly with the credit bureaus and have not received proper resolution as required by law. The bureaus and furnishers have failed to provide documented evidence supporting these entries, yet continue to report them. This is a direct violation of FCRA 1681e ( b ) and 1681i ( a ), and I request the CFPB to : 1. Investigate the credit bureaus and furnishers involved.

2. Require the immediate deletion of all unverifiable addresses, accounts, and inquiries.

3. Ensure compliance with all provisions of the FCRA and applicable regulations.

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