Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Reinvestigation Under FCRA 602A, 604, 607, 611, and 623 Dear Experian Dispute Department, This letter serves as a formal notice and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 
I am disputing the accuracy, completeness, and authorization of several items on my Experian credit report dated XX/XX/XXXX, and demanding deletion or correction of unverifiable, inaccurate, and noncompliant information. 

1. UNAUTHORIZED HARD INQUIRIES The following hard inquiries appeared on my Experian credit report without my consent or permissible purpose, in violation of FCRA 604 ( a ) and 604 ( f ). 
I never granted written authorization or submitted credit applications to these entities. Therefore, these inquiries are unauthorized and must be deleted immediately unless Experian can produce a signed and dated authorization showing permissible purpose : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 611 ( a ) ( 5 ) ( A ), any inquiry that can not be verified within 30 days must be deleted. Reporting unauthorized inquiries violates FCRA 602A, which mandates maximum accuracy of consumer information. 
If these inquiries remain without proof of authorization, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General for enforcement and damages under FCRA 616617. 

2. XXXX XXXX INACCURATE LATE PAYMENT REPORTING Creditor : XXXX XXXXXXXXAccount Opened : XXXXStatus : Reported 30 days late ( XXXX XXXX ) This reporting is inconsistent and inaccurate across the bureaus : * Experian shows 3059 days late. 
XXXX XXXX  shows the account current and in good standing. 
XXXX XXXX shows a single 30-day late payment. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they knowor should knowto be inaccurate. The inconsistent data across bureaus proves the reporting can not be verified as accurate. 
Therefore, I am demanding immediate deletion of the late payment and restoration of this account to a current status. 
If XXXX XXXX can not provide documentation signed by me proving an actual delinquency, this negative mark must be deleted within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 

3. XXXX INACCURATE ACCOUNT STATUS The XXXX  account is incorrectly marked Closed by Credit Grantor, though the account was closed voluntarily by me. This false reporting misrepresents my creditworthiness and violates FCRA 607 ( b ), requiring consumer information to be complete and accurate. 
Please update the reporting to Closed at Consumers Request immediately. 

4. HIGH UTILIZATION IMPACT REQUEST FOR MANUAL REVIEW Several accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  ) show utilization above 90 %, though actual balances may differ due to payment posting delays. I request that Experian perform a manual balance verification and correction as authorized under FCRA 609 ( a ) ( 1 ) to ensure real-time accuracy. 
Reporting outdated or inflated balances constitutes inaccurate data under 607 ( b ) and must be corrected. 

5. FORMAL DEMAND FOR REINVESTIGATION AND COMPLIANCE Under FCRA 611 ( a ) ( 1 ), Experian must : 1. Conduct a reasonable reinvestigation of each item listed. 
2. Delete or correct unverifiable, inaccurate, or unauthorized items within 30 days. 
3. Provide me with written results of the investigation, including : * The verification documents relied upon. 
* The names, addresses, and contact numbers of furnishers consulted. 
* A corrected credit report showing all deletions and corrections. 
Failure to comply within the statutory period constitutes willful noncompliance under FCRA 616, subjecting Experian to statutory damages, attorneys fees, and potential legal action.

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