Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15020660

Complaint Overview

Complaint ID: 15020660

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Michigan

ZIP Code: 48312

Date Received: 2025-08-03T12:00:00-05:00

Date Sent to Company: 2025-08-03T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies and certain furnishers who have reported inaccurate, unauthorized, and unverified information on my credit report. This has resulted in damage to my creditworthiness, personal stress, and unjust denials of financial services. Below are the specific issues I am facing : XXXXXXXX XXXX XXXX, MI XXXX WRONG ADDRESS Issue : I have never lived at this address nor had any connection to it. It is false and inaccurately reported on my credit file Law : FCRA 607 ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report Story : I have never resided at or had any contact with this address in any way. I do not know anyone who lives there, and no legitimate business or personal transaction of mine has ever been tied to that location. When I saw this address on my credit report, I was alarmed and confused. Ive always been extremely careful about my credit and personal identity, and seeing an unknown address linked to my name made me fear for possible identity theft or credit file mixing. This is damaging to my creditworthiness and personal security, and I request immediate removal XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS Issue : This is not and has never been my address. Its inclusion in my credit file is inaccurate and potentially harmful Law : Under FCRA 602, consumers have a right to accurate, fair reporting. FCRA 605B allows for blocking of information resulting from identity theft or file errors Story : I have never had any personal, financial, or legal connection to this address. It is not tied to any credit application Ive ever made. When reviewing my credit, I discovered this unfamiliar address and it immediately raised red flags. Lenders have questioned me about it, and it has disrupted my ability to move forward with financial planning. This type of mistake is not just inconvenientit damages trust in the system and prevents me from accessing the opportunities Ive worked hard for. I respectfully request you delete this information immediately XXXX XXXX ACCOUNT XXXX High Balance : {$500.00} | Opened : XX/XX/XXXX Issue : I have no knowledge of this account and never received any bill, call, or letter from XXXX. I dispute the validity of this debt XXXX : FCRA XXXX and XXXX require consumer reporting agencies to verify disputed accounts. FDCPA 809 requires that debt collectors validate any debt upon request Story : I have never received any notice or communication about this collection from XXXX, and I do not acknowledge owing this amount. Ive maintained organized records of my credit obligations and this account is unfamiliar to me. Its appearance on my report has lowered my score and harmed my financial reputation. This account may have resulted from misreporting, error, or identity theft. I demand that it be removed unless verified with proper documentation. I am entitled to a full investigation and deletion if the information is inaccurate or unverifiable XXXX NA / XXXX XXXX INQUIRY Date : XX/XX/XXXX Issue : I did not apply for any credit card or service through XXXX or XXXX XXXX. This inquiry is unauthorized Law : FCRA 604 ( a ) ( 3 ) states a credit pull must have a permissible purpose and consumer consent Story : I never applied for a XXXX XXXX or XXXX credit account. I was shocked to see this hard inquiry on my report, especially since I track my applications closely. I have not given any consentverbal or writtenfor this access. This is a violation of my rights and is likely either an error or an attempt to fraudulently open credit in my name. This inquiry has harmed my credit score and misrepresents my intent. I request immediate removal and an investigation into who authorized this pull XXXX XXXX and XXXX Requested : I am demanding that all the above inaccuracies and violations be addressed with urgency. These entries not only violate federal law, but also cause ongoing harm to my credit, job prospects, and financial access. I request that the CFPB enforce my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If the furnishers or credit bureaus are unable to verify these entries, they must be permanently removed as required by FCRA 1681i. Please contact me for any documentation needed to support my claims. I expect to receive written confirmation that this matter has been investigated and resolved.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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