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: PA

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 A XXXX XXXX XXXX XXXX, PA XXXX Law : FCRA 607 ( B ) Accuracy requirement Issue : Similar but incorrect address variation falsely linked to my identity Story : I have no records, leases, or bills connected to this property. This variation likely stems from a database error or misreporting by a furnisher ADDRESS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Law : FCRA 607 ( B ) Accuracy requirement Issue : This detailed address listing is not mine Story : The inclusion of this address suggests identity data contamination in my file. No utility accounts, bank records, or identification have ever contained this location for me INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement for inquiries Issue : This hard inquiry was made without my authorization or application for credit Story : I did not apply for any product or service from XXXX XXXX XXXX on or around this date. This inquiry is unauthorized and should be removed immediately INQUIRY CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Permissible purpose requirement for inquiries Issue : Duplicate or separate unauthorized inquiry Story : I have no applications, correspondence, or agreements with XXXX XXXXXXXX XXXX for this date. This hard inquiry is damaging to my score and violates my rights under the FCRA 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