Consumer complaint received 2025-08-15 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 to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 602A and 607 ( B ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information Issue : This address is not mine and is being falsely associated with my credit profile Story : I have never lived at or been associated with this address, its presence is misleading lenders and harming my creditworthiness and must be deleted immediately INQUIRY XXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Requires consumer consent for inquiries and limits permissible purposes Issue : This inquiry was made without my consent or any initiated credit application Story : I had no interaction or agreement with XXXX XXXX XXXX XXXX on this date, making this an impermissible credit pull that must be deleted INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Limits access to consumer reports to situations with legitimate permissible purposes Issue : This is an unauthorized hard inquiry without a valid consumer-initiated request Story : I did not apply for any account or service with Ally Financial on the listed date, therefore this access to my credit file was unlawful INQUIRY XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Protects consumers from unauthorized inquiries Issue : This inquiry is not linked to any application or account initiated by me Story : I never authorized XXXX XXXX XXXX to obtain my credit report, making this an impermissible access that must be deleted INQUIRY XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Only allows inquiries when initiated by the consumer or for permissible purposes Issue : This inquiry is not tied to any transaction or request from me Story : I never applied for financing with XXXX or XXXX XXXX on this date, making this inquiry invalid and subject to removal INQUIRY XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Requires permissible purpose for all credit report access Issue : This hard inquiry was made without my written consent Story : I have no account or application with XXXX Auto, making this inquiry unauthorized and damaging to my credit score INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Protects consumer reports from unauthorized use Issue : This inquiry has no permissible purpose or signed authorization from me Story : I did not give XXXX Credit or XXXX  XXXX permission to pull my report, making this an impermissible inquiry requiring removal INQUIRY XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Prohibits inquiries without consumer-initiated transactions or written consent Issue : This is an unauthorized inquiry not connected to any credit request I made Story : I did not apply for credit with OneMain on this date and never consented to this credit pull, making it invalid I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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