Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple inaccurate and unauthorized items currently appearing on my credit report. As a consumer, I am entitled under FCRA 602 ( A ) and 607 ( B ) to fair and accurate credit reporting. The presence of late payments and unauthorized inquiries that I did not approve or that are inaccurately reported has caused me harm, including lowering my credit score, affecting my ability to obtain credit on fair terms, and damaging my financial reputation. 

Accounts with Inaccurate Late Payments XXXX  XXXX Account ending XXXXXXXX XXXX XXXX High Balance {$6000.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX This account is being reported with late payments that are not accurate. I dispute these late payments because they do not reflect my actual payment history. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to maintain maximum possible accuracy. Reporting late payments when I have made timely payments or when the information is unverifiable violates this law. I demand this be corrected or removed immediately. 

XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$810.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX  This account also shows late payments that I dispute as inaccurate. Again, under FCRA 607 ( b ), the reporting of false derogatory information directly harms me. These late payments are not valid, and the furnisher is in violation of its obligations to provide only accurate information to the credit reporting agencies. 

Unauthorized and Improper Inquiries XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I did not authorize this credit inquiry. Under FCRA 604, an inquiry must be based on a permissible purpose. This was done without my consent and must be removed. 

XXXX  XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was made without my authorization. Since there is no permissible purpose under FCRA 604, this inquiry is unlawful. 

XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I never applied for any product with XXXX XXXX XXXX XXXX on this date. Therefore, this inquiry was unauthorized and is a direct violation of FCRA 604. 

XXXX XXXX  XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry is also unauthorized. I never gave consent for XXXX XXXX  XXXX XXXX to access my credit report. As such, this is a violation of my consumer rights under FCRA 604. 

XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX In addition to the earlier XX/XX/XXXX inquiry, XXXX XXXX XXXX XXXX also made an unauthorized hard inquiry on XX/XX/XXXX. This is another violation of FCRA 604. 

Department of Education Inquiry dated XX/XX/XXXX I did not authorize this inquiry. Since there is no permissible purpose, it is unlawful and should not appear on my credit file. 

Conclusion The presence of these inaccurate late payments and multiple unauthorized inquiries demonstrates clear violations of my rights under the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau investigate these issues and compel the credit reporting agencies and furnishers involved to immediately remove the inaccurate and unauthorized items.

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