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:
I am submitting this complaint to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning ongoing violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion. Despite my initial submission, these issues have not been resolved, and I am once again requesting expedited intervention due to the seriousness of the violations and the continued harm to my creditworthiness.As outlined in my original complaint, each of the credit bureaus continues to report multiple outdated and inaccurate addresses that do not belong to me and are not relevant to my identity. Specifically : Experian continues to list XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX as part of my address history, which do not correspond to me. 
Equifax inaccurately reports XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
TransUnion shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX despite these addresses being outdated. 
This is a direct violation of FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ), which mandates that consumers be provided with accurate and current information on their reports, and FCRA 611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. Additionally, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy, which is clearly not the case here.Furthermore, all three bureaus continue to report unauthorized inquiries on my credit report, which lack any permissible purpose or verifiable authorization from me. These inquiries include multiple repeated pulls within short time frames from entities such as Ally Financial, XXXX XXXX, XXXX of XXXX XXXX, and others, which were made without my consent. These XXXX XXXX  inquiries violate FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ), which limits the access to credit reports to those with a legitimate permissible purpose. Furthermore, FCRA 609 ( a ) ( 1 ) guarantees my right to know the identity of the party who initiated each inquiry, and to obtain documentation of my consent, which the bureaus have failed to provide.The continued reporting of these unauthorized inquiries, as well as outdated addresses, demonstrates noncompliance with FCRA 611 15 U.S.C. 1681i, which mandates that credit bureaus investigate and correct such errors within 30 days of notification.To date, none of the credit reporting agencies have taken adequate action to remove or correct these discrepancies, despite written disputes and requests for investigation. Their failure to comply with these federal requirements is directly harming my creditworthiness and leaving my reports filled with erroneous data.Given the repeated violations by all three credit bureaus, I am formally requesting that the CFPB take immediate action to compel Experian, Equifax, and TransUnion to conduct a full investigation into the disputed addresses and unauthorized inquiries. Each bureau should be required to provide documented proof of verification for each disputed entry or else permanently delete them from my credit files.

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