Consumer complaint received 2025-07-18 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This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Status : Charge-Off Law Issue : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure maximum accuracy of the information they report. If this charge-off is inaccurate, unverifiable, or reported without proper validation, it must be removed.

Story : This account has been reported as a charge-off with a large outstanding balance. I have not received any proper validation or supporting documentation for this debt from the creditor. I am requesting a reinvestigation and validation of this account as required by FCRA 611 and 623. If the information can not be verified, it must be deleted from my credit file. 
XXXX Date : XX/XX/XXXX Law Issue : According to FCRA 604, hard inquiries must only occur with the consumers explicit authorization. 
Story : I did not authorize this inquiry and was not notified prior to the pull. This is an unauthorized access to my credit profile and must be removed as a violation of my rights under FCRA. 
XXXX  Date : XX/XX/XXXX Law Issue : FCRA 604 ( a ) ( 3 ) restricts permissible purposes for inquiries.

Story : I never gave permission for this credit inquiry on the stated date. I request this inquiry be deleted as it was conducted without my consent or permissible purpose. 
XXXX XXXX XXXX Date : XX/XX/XXXX Law Issue : Under FCRA Section 604, consumer reporting agencies must ensure inquiries have a valid purpose and authorization. 
Story : I have no affiliation with XXXX XXXX XXXX and did not apply for any credit product with them on or around this date. Please remove this unauthorized inquiry. 
XXXX XXXX XXXX Date : XX/XX/XXXX Law Issue : FCRA requires that only authorized inquiries appear on consumer reports. 
Story : I never gave consent to XXXX XXXX to access my credit. I request this be removed for lack of authorization and to avoid further damage to my credit rating. 
XXXX XXXX XXXX  Date : XX/XX/XXXX Law Issue : Unauthorized inquiries are not permissible under the Fair Credit Reporting Act. 
Story : This duplicate or unauthorized inquiry has negatively affected my credit. I dispute this and demand its deletion unless verified with proof of my consent.

I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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