Consumer complaint received 2025-10-07 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 complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting and unauthorized inquiries on my credit report. My rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ) have been violated by the reporting of accounts and inquiries that are inaccurate, incomplete, and/or unauthorized. I demand that these matters be investigated, corrected, and that my credit report be updated immediately to reflect accurate information. 

Account : XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Charge Off Story : This account has been reported as a Charge Off without proper verification. The reported balance is inaccurate and inconsistent with my records. FCRA 1681i ( a ) requires that all disputed items be fully reinvestigated. The creditor has failed to provide documentation such as signed contracts or statements proving the alleged delinquency. Misreporting this account violates FCRA 1681e ( b ), which mandates accurate credit reporting. FDCPA 1692e prohibits false or misleading statements in debt collection, which applies to this account. My payment history shows discrepancies with the reported status, and the creditor can not substantiate the balance. Continued reporting of unverifiable information is materially harmful. This inaccurate reporting has directly affected my creditworthiness. I request deletion unless full verification can be provided. I also request confirmation that this account will be corrected with all credit reporting agencies. Any negative impact caused by this account must be remedied under federal law. I am entitled to accurate information and proper investigation. Failure to comply constitutes violation of my rights. I demand that all inaccurate entries be removed immediately. This accounts reporting is misleading, and legal action may be considered if corrections are not made. 

Account : XXXX XXXX XXXX High Balance : {$39000.00} Date Opened : XX/XX/XXXX Charge Off Story : The Charge Off status reported is inaccurate. The creditor has not provided sufficient documentation to verify the alleged delinquency. FCRA 1681i ( a ) requires complete reinvestigation of disputed items. My personal records indicate payments made that are not reflected in the report. The reporting violates FCRA 1681e ( b ) by presenting incomplete and inaccurate data. FDCPA 1692f prohibits unfair or deceptive collection practices, which applies here. The high balance is misreported, causing substantial credit damage. The account is materially harmful to my financial reputation. Verification requests have not been fulfilled by the creditor. I demand a thorough investigation and deletion if verification can not be provided. Reporting unverifiable information is a violation of my consumer rights. Continued negative reporting has caused financial hardship. I require written confirmation of any corrections or deletions. The account reporting is misleading and does not reflect accurate payment history. All credit repositories must be updated to reflect accurate information. Any failure to comply with federal law is unacceptable. Immediate action is required to prevent further damage. 

Account : XXXX XXXX High Balance : {$40.00} Date Opened : XX/XX/XXXX Late Payment Story : The Late Payment reported is inaccurate. FCRA 1681i ( a ) guarantees reinvestigation of disputed items. The creditor has not supplied proof of delinquency. Misreporting violates FCRA 1681e ( b ) requiring accurate credit reporting. FDCPA 1692f prohibits unfair collection practices, including reporting unverifiable delinquencies. The account negatively impacts my credit reputation. Payment history does not match reported data. Documentation to support late payment is missing. The reporting continues to misrepresent my creditworthiness. I demand deletion unless substantiated evidence is provided. The negative reporting affects my ability to secure fair credit. Written confirmation of corrections or deletions is requested. Continued misreporting violates federal consumer protection laws. My rights under FCRA and FDCPA are being infringed. The account is materially harmful and misleading. Immediate corrective action is required. Failure to verify constitutes a violation of law and necessitates removal. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Story : This inquiry was made without my authorization. FCRA 604 ( a ) requires explicit consumer consent for all hard inquiries. Reporting an unauthorized inquiry is a violation of federal law. The inquiry negatively affects my credit score and misrepresents my credit activity. The creditor has no legal basis to report this inquiry. Removal is required under FCRA 1681i ( a ). Unauthorized reporting constitutes a deceptive practice under FDCPA 1692e. Written confirmation of deletion is required. The inquiry continues to misrepresent my creditworthiness. All credit reporting agencies must remove this inquiry immediately. Continued presence constitutes ongoing violations of consumer protection laws. The unauthorized reporting materially harms my financial reputation. Immediate investigation and deletion is demanded. My consumer rights are infringed by this action. This inquiry is misleading and unverifiable. Corrective action must be taken without delay. Compliance with FCRA and FDCPA is mandatory.

I am requesting that CFPB intervene and ensure that all inaccurate and unauthorized information is promptly corrected or deleted, in accordance with the FCRA and FACTA. These violations have caused me undue stress, potential financial loss, and damage to my credit reputation. I expect the CFPB to monitor this investigation closely and enforce the correction and deletion of these accounts and inquiries. I also request that the CFPB provide confirmation of actions taken and require the involved creditors to certify that all reported information is accurate and verified.

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