Consumer complaint received 2025-02-21 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:
To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities.

1. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negatively affecting my credit score : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries should be removed immediately, as they do not comply with the legal requirements for permissible purposes. 
2. Inaccurate Collection Account A collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. The following account must be removed : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 3. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and do not meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX These late payment marks must be removed to ensure compliance with federal law and fair reporting standards. 
4. Experians Inaccurate and Unfair Reporting Practices Experian is incorrectly reporting the following inaccuracies, which violate both the FCRA and TILA : Late Payments on Mortgage Account : My credit report reflects late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage with XXXX XXXX XXXX ( Account : XXXX ). However, billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b.

Impossible Credit Utilization Rate : My report displays an inaccurate credit utilization of 415 %, which is a mathematical error and a clear violation of 15 U.S. Code 1681e ( b ) ( Maximum Possible Accuracy Rule ).

These inaccuracies have significantly harmed my credit score and have limited my ability to secure fair financing. I have already disputed these errors with Experian, yet no corrective action has been taken. 
Request for Immediate Investigation and Correction I request the immediate investigation and removal of these inaccurate items from my credit report. These errors violate federal law, and their continued presence is unjustly damaging my credit profile. Attached, I have included supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that these violations are promptly addressed and that Experian, as well as the involved data furnishers, comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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