Consumer complaint received 2025-07-19 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:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable negative items on my credit report. These include one collection account and multiple unauthorized hard inquiries that I did not initiate, authorize, or consent to. Despite attempts to resolve this directly with Experian, the bureau continues to report these items, which are damaging my creditworthiness and violate federal law.

Below are the details of each item : 1. XXXX XXXX XXXX  Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$590.00} | Status : Collection Issue : I do not recognize this account and have never received proper validation from the furnisher or Experian. 
Law Violated : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to conduct proper reinvestigation FDCPA 809 ( b ) Lack of debt validation from the debt collector Story : This collection account appeared on my Experian credit report without prior notice, validation, or communication. I was never contacted about this debt, and I never received a validation notice. Reporting unverifiable and disputed accounts is a direct violation of federal law. I am requesting full deletion of this account.

Unauthorized Hard Inquiries Each of the following inquiries was made without my consent, without a credit application, and without a permissible purpose. I did not initiate any request for credit or give any company permission to access my credit file on these dates. 

XXXX. XXXX XXXX NA XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; FCRA 607 ( a ) Story : I did not apply for credit with XXXX XXXXXXXX. This inquiry was added without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ( a ) ; FCRA 611 Story : I never interacted with this company. No permissible purpose or authorization exists. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ( a ) ; FCRA 607 ( b ) Story : I have no business with this lender. This inquiry was not initiated or approved by me. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ( a ) ; FCRA 611 Story : I did not apply for financing or give this dealership any permission to access my report. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) ; 611 Story : I never applied with or spoke to this company. This credit pull is unauthorized. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 611 Story : This dealership made a hard inquiry without a credit application or permission. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; 611 Story : This company has no relationship with me and had no authority to access my file. 

XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 607 Story : No application was submitted by me to this company. This inquiry was not authorized. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ( F ) ; 611 Story : This inquiry was unauthorized and was made without any consumer interaction. 

XXXX. XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 611 Story : I have not applied for a credit card with XXXX. This inquiry was done without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Violated : FCRA 604 ; 611 Story : I did not authorize XXXX  XXXX to access my credit report on this date or any other. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; 607 Story : I have no connection to this company. The inquiry was unauthorized and damaging. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 611 Story : I have not contacted or applied with XXXX of XXXX. This inquiry is unlawful. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ; 607 ( b ) Story : I did not apply for any product with XXXX. I never gave permission for this inquiry. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX Violated : FCRA 604 ( a ) ; 607 Story : This is a completely unauthorized inquiry. I have no relationship with the creditor. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Law Violated : FCRA 604 ( a ) ( 3 ) ; 611 Story : I did not apply for credit with XXXX XXXX XXXX at any time. This inquiry violates my rights. 

What would be a fair resolution to this issue? 
Immediate deletion of all unauthorized hard inquiries listed above from my Experian credit report.

Permanent deletion of the unverifiable collection account from XXXX XXXX XXXX. 

A complete reinvestigation of all disputed items with results sent to me in writing. 

Penalties or corrective actions imposed on Experian for failing to meet its legal obligations under the FCRA. 

I have included all relevant documentation, including ID and proof of address, to validate my identity. Please investigate this complaint thoroughly and hold Experian accountable for violating federal consumer protection laws.

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