Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX # XXXXXXXX XXXX Late Payments | Date Opened : XX/XX/XXXX | High Balance : {$590.00} Issue : Late payments are reported inaccurately on this account. I have made timely payments, and the dates of delinquency do not match my records.

Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably believe is inaccurate.

Story : These false late payment entries have caused my credit score to drop, impacting my ability to qualify for loans and better interest rates. I contacted the creditor, but they failed to provide any verification of the alleged delinquencies. I request an immediate deletion or full validation of these entries. 
XXXX XXXX XXXX # XXXXXXXX XXXX Late Payments | Date Opened : XX/XX/XXXX | High Balance : {$2800.00} Issue : This account reflects multiple late payments which I dispute as inaccurate. I believe the reporting is either outdated or completely incorrect.

Law : FCRA Section 611 ( a ) gives me the right to dispute and request a reinvestigation of inaccurate entries.

Story : This account is no longer active, and the late payment information is hurting my financial reputation. The creditor failed to respond to my prior verification requests, and yet the credit bureaus continue to report these late entries. This negligence is costing me financial opportunities and peace of mind. 
XXXX XXXX XXXX Inquiry | Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry.

Law : FCRA Section 604 ( a ) ( 3 ) allows a credit inquiry only with a permissible purpose and consumer consent. 
Story : I have never applied for any loan or credit product from XXXX on or around the mentioned date. This inquiry has appeared without my permission and may indicate unauthorized access or fraud. 
XXXX XXXX XXXX Inquiry | Date : XX/XX/XXXX Issue : Unauthorized hard inquiry reported.

Law : FCRA Section 604 ( a ) ( 3 ) requires consent or a legitimate reason for inquiries. 
Story : I never gave consent to XXXX XXXX XXXX to pull my credit. This inquiry is harmful to my credit profile and was likely made without any application or request on my part. 
XXXX XXXX Inquiry | Date : XX/XX/XXXX Issue : Inquiry made without my application or permission.

Law : As per FCRA Section 604 ( a ), any access to my report must have a valid reason and my knowledge.

Story : I was surprised to find this inquiry on my report. It is affecting my credit score and was not authorized by me in any form. 
XXXX XXXX XXXX Inquiry | Date : XX/XX/XXXX Issue : No consent provided for this inquiry.

Law : FCRA prohibits such unauthorized inquiries. 
Story : I have never had any interaction with XXXX XXXX. The appearance of this inquiry is deeply concerning and a violation of my rights.

I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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