Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
HARD INQUIRIES MARKS My credit report shows several hard inquiries on my Equifax file that are negatively affecting my credit score. These inquiries are now almost two years old, and although I applied for credit with some of these companies, these inquiries are excessive, duplicated, and no longer serve a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries appear on my report : XXXX XXXX XXXX XXXX ( XXXX  ) Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX These represent multiple hard pulls from a single credit application process. I applied only once during each period, yet XXXX generated several unnecessary and duplicate hard inquiries. This violates FCRA 604 because lenders must avoid excessive or duplicate inquiries originating from a single application. 
XXXX Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with XXXX and did not authorize these hard inquiries. This is a violation of FCRA 604 ( a ) ( 3 ), as I did not grant permission nor request credit from this entity. These inquiries were not made for any credit-granting purpose. 

No action was taken previously because I believed these inquiries would stop affecting my credit over time. However, they continue to create a negative impact on my score and creditworthiness almost two years later.

I am requesting the following under the Fair Credit Reporting Act : 1. Removal of all duplicate and excessive inquiries from XXXX XXXX XXXX XXXX ( dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These inquiries originated from the same credit checks and should not be listed as separate hard inquiries. 

2. Removal of all unauthorized inquiries from XXXX ( dated : XX/XX/XXXX and XX/XX/XXXX ). I did not apply for credit or give permission for these pulls, and therefore they have no permissible purpose. 

3. Written confirmation once the investigation has been completed and the inquiries have been deleted from my credit file.

4. These inquiries exceed the purpose and time frame outlined by the FCRA and continue to harm my credit score even after the 12-month period during which inquiries are intended to be relevant.

I am requesting immediate investigation and correction of my credit report. 

LATE PAYMENT MARKS I am an active-duty XXXX XXXX XXXX XXXX currently stationed overseas in XXXX. Several of the late payments reported on my credit file occurred during periods of overseas XXXX, time zone differences, limited access to communication, and military-related obligations that temporarily affected my ability to coordinate payments. 

For XXXX XXXX, I missed several payments during my overseas XXXX. I notified them of my situation, and they confirmed they were aware I was overseas, yet they were unable or unwilling to make any adjustments or provide any military accommodations. These late payments do not reflect my financial responsibility ; they reflect active-duty limitations and communication barriers while XXXX. 

For XXXX XXXX, only XXXX payment was ever late. This was an isolated incident during a period of transition, and I immediately resolved the payment. 

For XXXX XXXX XXXX XXXX ( XXXX ), there was a single late payment due to overseas-related timing differences. This was also resolved immediately and has not occurred again. 

All three accounts are fully paid or in good standing, yet the late payment marks continue to significantly harm my credit despite being tied to military XXXX circumstances.

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