Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 15 U.S.C. 1681c ( a ) ( 5 ) ; CFPB guidelines Story : This address is incorrectly reported on my file, causing confusion during credit decisions. I have never owned, rented, or used this location. According to FCRA, inaccurate personal information jeopardizes my credit reputation. The continued reporting of this address violates my right to a fair and accurate consumer file. I request its immediate removal. 

XXXX XXXX * High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Collection / Unverified Account Law : FDCPA 15 USC 1692g ( b ) ; FCRA, CFPB Regulations Story : I dispute the validity of this collection and request full documentation of the debt as required by federal law. I have not received any notice or validation for XXXX XXXX XXXX, nor did I authorize communication regarding this alleged debt. Reporting unverified collections is a violation under FDCPA. I am requesting that this account be removed unless complete validation is provided. 

GXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 15 U.S.C. 1681b ( a ) Story : No application was made to XXXX XXXX, nor did I grant permission for this check. Inaccurate inquiries damage my creditworthiness and breach the FCRA, which mandates consumer consent. Please investigate and expunge this record. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Dispute Law : FCRA 15 U.S.C. 1681g Story : I challenge the legitimacy of this inquiry. My records show no transaction on the mentioned date. Per FCRA, I have the right to know who accessed my file and why ; I request clarification and removal if unsubstantiated. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Suspicious Inquiry Law : FCRA 15 U.S.C. 1681b Story : I did not apply for credit with XXXX on this date. Any unauthorized access harms my credit standing and contravenes federal law. I seek to have this inquiry investigated and stricken if unlawful. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unapproved Inquiry Law : FCRA 15 U.S.C. 1681b ( b ) Story : This inquiry occurred without my consent or knowledge. Improper access to consumer reports is illegal. I demand details of authorization and removal if found to be in error. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry Error Law : FCRA ; CFPB Complaint Procedures Story : I did not initiate a credit application with this entity. The FCRA protects consumers from unauthorized inquiries. I require a full investigation and removal of this entry from my report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unrecognized Inquiry Law : FCRA 15 U.S.C. 1681b Story : I do not recognize this inquiry. It affects my chances of credit approval. Mistaken or fraudulent inquiries are unlawful, and I demand deletion. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Incorrect Inquiry Law : FCRA ; CFPB Dispute Guidelines Story : I did not authorize or apply for any product or service with this agency. The FCRA protects against inaccurate entries. I request this inquiry be removed after verification. 

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

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