Consumer complaint received 2025-10-14 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 formal complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unauthorized items being reported on my credit file. These errors are causing significant harm to my credit profile and financial reputation. Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ), I have the right to fair, accurate, and verified reporting. Each account and inquiry listed below violates these provisions. I am requesting an immediate investigation, correction, and permanent deletion of all inaccurate and unauthorized information. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment * * This account is being reported with late payments even though the account records do not accurately reflect my actual payment history. Reporting false delinquency data violates FCRA 607 ( b ), which requires that all information furnished must be verified and reported with maximum possible accuracy. I have consistently communicated that the dates and status of this account are being misrepresented, and no documentation has been provided proving the accuracy of these late payment claims. Continuing to report unverifiable or inaccurate payment history without proper validation directly violates my consumer rights and affects my credit standing unfairly. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows a balance of XXXX yet still reflects late payments, which logically contradicts itself. If the account has been paid off, there should be no late payment history still appearing. Under FCRA Section 602 ( A ) and 607 ( b ), information reported must be both accurate and fair. Maintaining this inaccurate status damages my profile without factual support. I have requested proof of late payment records under Section 611 ( a ) ( 1 ) ( A ), and since none has been provided, this tradeline must be deleted immediately for failure of verification. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows XXXX balance, meaning the debt is satisfied or closed, yet the bureau continues to list it as having late payments. This kind of inconsistent data violates the FCRAs requirement for accurate reporting. Any negative mark must be fully substantiated with original payment evidence from the furnisher. Under 15 U.S.C. 1681s-2 ( b ), furnishers must verify disputed information ; failure to provide supporting documentation within the reinvestigation window means this account must be deleted immediately. 

INQUIRY : XXXX XXXX XX/XX/XXXX This inquiry appears on my credit file without my explicit written authorization. Under FCRA Section 604 ( a ) ( 2 ), a permissible purpose is required before obtaining a consumer report. Since I never provided consent or initiated any credit application with XXXX XXXX on this date, this inquiry is unauthorized and must be removed immediately. 

INQUIRY : XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. The FCRA Section 604 strictly prohibits inquiries without a permissible purpose. Failure to verify my written consent is a violation of federal law and directly impacts my score. This unauthorized inquiry must be permanently deleted. 

INQUIRY : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This entry was made without my approval or credit request. No application or written authorization from me exists, making this inquiry unlawful under FCRA 604 ( a ) ( 2 ). Each bureau must delete this record since it can not be verified as authorized. 

INQUIRY : XXXX XXXX XXXXXX/XX/XXXX I have no relationship with this company and did not permit them to access my credit. Unverified and unauthorized credit pulls constitute an invasion of privacy and a violation of FCRA permissible purpose rules. This inquiry must be immediately deleted to restore accuracy to my report. 

INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX This inquiry is unauthorized and was never consented to by me. Under FCRA Section 604 ( a ) ( 2 ), credit bureaus may not release my report without a permissible purpose. This access was not initiated by me and must be deleted from my file. 

INQUIRY : XXXX XXXX XXXX XXXX XX/XX/XXXX This company accessed my report without my consent or any related application. FCRA Section 604 ( a ) ( 2 ) clearly defines permissible purpose, and this does not qualify. The absence of any authorization requires immediate deletion of this inquiry. 

INQUIRY : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry appears without any record of my approval or a valid credit application. This unauthorized access is not supported by FCRA Section 604 and is considered an impermissible use of my personal data. Immediate deletion is required. 

INQUIRY : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This entry shows up repeatedly without any consumer authorization or active application. Repeated inquiries by the same furnisher without consent constitute clear violations of FCRA 604 and 607. I request immediate removal of this inquiry as it was neither requested nor authorized by me. 

The continuous reporting of inaccurate information violate the consumer protection principles outlined by the CFPB and the FCRA. These actions reflect noncompliance with FCRA Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ). I am requesting that the CFPB compel all involved furnishers and credit bureaus to conduct a full reinvestigation and remove the disputed items. Written confirmation of all corrections and deletions should be provided to me promptly.

Failure to correct and remove these inaccuracies constitutes willful noncompliance under FCRA Section 616, which entitles the consumer to legal remedies and damages. I am submitting this complaint to ensure full compliance with federal law, the restoration of accuracy to my credit report, and the protection of my rights under the Consumer Financial Protection Bureau.

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