Consumer complaint received 2025-08-02 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Status : Chargeoff Law : FCRA 611, 623, 15 USC 1681i Reinserted Item Requires Notice and Verification Issue : This account was previously deleted from my credit report, but it has been reinserted without proper notice or certification of accuracy.

Story : This account was removed after my prior dispute, and now it has reappeared without notifying me in writing within 5 business days as required by FCRA 611 ( a ) ( 5 ) ( B ). Additionally, no new documentation has been provided showing this item is verified. This reappearance is a serious violation of my rights and causes undue harm. I demand a full reinvestigation and deletion of this item as it has not been certified or legally reinserted. 

XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) & 604 ( f ), 15 USC 1681b Permissible Purpose Required Issue : I never authorized this company to access my credit report and have no prior relationship with them. This inquiry appears without my consent or legitimate reason. 
Story : I am disputing this inquiry as unauthorized. Under the FCRA, any entity pulling a consumer report must have a permissible purpose and consumer authorization. I never applied for credit or did business with XXXX XXXX XXXX on or around this date. I request that you investigate and remove this hard inquiry immediately as it negatively affects my credit profile. 

XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 604 ( f ) Unauthorized Inquiry Issue : This inquiry was made without a permissible purpose and without my consent. 
Story : I have no connection with XXXX XXXX XXXX or XXXX, nor did I initiate any transaction or credit application that would justify this inquiry. It is an unauthorized access to my personal credit file and must be removed. 

XXXX XXXX XXXXXXXX Dated : XX/XX/XXXX Law : FCRA 604 Permissible Purpose Requirement Issue : No legitimate business or credit relationship exists to justify this inquiry. 
Story : I did not apply for credit with XXXX XXXX, and they did not have any authorization to access my credit file. This is a clear violation of my consumer rights and must be permanently deleted. 

XXXX XXXX XXXX Dated : XX/XX/XXXX Law : FCRA 604 Consumer Authorization Required Issue : Hard inquiry conducted without consumer authorization or proper reason. 
Story : I am not aware of this company and never applied for credit or gave permission to access my report. Please investigate and delete this unauthorized inquiry from my credit file. 

XXXX XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Law : FCRA 604 Permissible Purpose Missing Issue : Inquiry appears without a credit application or my consent. 
Story : I did not apply for a XXXX XXXX XXXX product or authorize them to run my credit. This is an unlawful pull and I request immediate removal under FCRA guidelines. 

XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Law : FCRA 604 ( a ) Unauthorized Inquiry Issue : I did not give any permission to this institution to check my credit report. 
Story : I have never applied for credit or financing with XXXX on this date or any time close to it. Please remove this harmful and unapproved inquiry from my record. 

XXXX XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Law : FCRA 604 No Authorization, No Permissible Purpose Issue : Inquiry conducted without legitimate reason or consumer consent. 
Story : I never gave XXXX  or any third party permission to access my report, nor did I conduct any transaction that would justify this credit check. This was unauthorized and needs to be deleted. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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