Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX ( DOB XX/XX/XXXX, last 4 of SSN XXXX ). I am filing a complaint regarding inaccurate information that Experian is reporting on my credit file. 

I have identified the following items as inaccurate or not authorized : 1. Unauthorized hard inquiries The following companies appear as hard inquiries on my Experian report, but I did not apply for credit with them and did not authorize these pulls : U.S. Small Business Administration ( SBA ) Inquiry date XX/XX/XXXX XXXX  ( shown as XXXX ) Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I disputed these inquiries with Experian and asked for verification and removal. Experian continues to report them without providing documentation that I authorized them or that there was a permissible purpose. 

2. Negative tradelines/ collections Experian is also reporting the following negative accounts : XXXX XXXX XXXX Bank Credit Card account ending XXXX charge-off, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX XX/XX/XXXX Days Late : XXXX. 
XXXX XXXX XXXX XXXX XXXX Credit Card account ending XXXX charge-off, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX XX/XX/XXXX Days Late : XXXX. 
XXXX XXXX XXXX XXXX Bank revolving account ending XXXX status unknown, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX XX/XX/XXXX Days Late : XXXX. 
XXXX XXXX XXXX XXXX Bank installment account ending XXXX status unknown, opened XX/XX/XXXX, closed XX/XX/XXXX, XXXX XX/XX/XXXX Days Late : XXXX. 
XXXX XXXX Bank XXXX installment account ending XXXX status unknown, opened XX/XX/XXXX, closed XX/XX/XXXX, Times XX/XX/XXXX Days Late : XXXX. 
XXXX XXXX XXXX collection original creditor XXXX XXXX Bank XXXX, account opened XX/XX/XXXX, balance {$750.00} reported as an open derogatory collection even though the account information is disputed. 

I requested that Experian investigate, verify these entries, and obtain supporting documentation from each furnisher. Experian has not corrected the disputed information or produced documentation demonstrating that all reporting is accurate and complete. 

Delete all false entries According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you '' Settled with original creditor.

1681s-2 ( a ) ( 1 ) ( A ) to force creditors to correct inaccurate data 1681e ( b ) to hold credit bureaus accountable for inaccurate reporting 1681m ( a ) if you were denied credi and didn't receive an explanation 1666b to challenge late fees dust, payment processing delays 1692j to stop collection on old or invalid debts 1681s-2 ( b ) to remove unverifiable accounts from your report.

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