Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, FCRA 607 ( b ) Issue : Late payments are being reported inaccurately without proper verification Story : This account shows late payment history that I do not recognize. I have not been provided with payment records or a billing breakdown. No substantiated documents were sent during the first dispute. Reporting incomplete or inaccurate payment history damages my profile and violates my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late Payment Law : FCRA 623 ( a ), FCRA 611, FCRA 602 ( b ) Issue : Late payments reported without factual verification Story : This entry was not verified with any billing statements or legally valid records. I requested these in my first dispute, and your response failed to provide acceptable documentation. Continued reporting of unverifiable data after dispute is negligent and unlawful under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Law : FCRA 611, FCRA 623 ( b ), FCRA 607 ( b ) Issue : Inaccurate and unverifiable reporting of late payments Story : This account appears to relate to a public or local government obligation that I never agreed to or received notice for. No correspondence or documentation has ever been received, and your bureau failed to verify it with proper legal records in the initial dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 623 ( a ) ( 1 ) ( A ), FCRA 602 ( b ), FCRA 611 Issue : Reported as charge-off with no reporting date or validation Story : The account lacks even a proper opening date. Reporting a charge-off without an opening date or any supporting validation violates the accuracy and integrity requirement under FCRA. This item appears to be unverifiable and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611, FCRA 607 ( b ), FCRA 623 ( a ) ( 1 ) ( A ) Issue : Inaccurately reported charge-off with missing critical information Story : Similar to the prior telecom item, this entry is missing an opening date and carries a small balance labeled as a charge-off. This is misleading and harmful. No proper verification was given when first requested. If this account can not be supported with full records, it must be deleted. 

INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), FCRA 611 Issue : Unauthorized inquiry without prior application Story : I did not apply for a XXXX XXXX or XXXX  account on the mentioned date. If there is no signed application or proof of consent, this inquiry should be removed. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), FCRA 611 Issue : Hard inquiry with no authorization Story : I did not engage in any financing application with XXXX on that date. You must remove this if no permissible purpose is verified. 

INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604, FCRA 607 ( a ) Issue : Inquiry pulled without consent Story : I was not informed or involved in any application involving XXXX XXXX. I demand this be removed if you can not show my consent. 

INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604, FCRA 611 Issue : No authorization provided Story : I have no business relationship or application with XXXX. This inquiry must be investigated and removed. 

XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Duplicate or unauthorized auto inquiry Story : This appears to be a duplicate of another unauthorized inquiry. If no application was made, you must delete this item. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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