Consumer complaint received 2025-08-05 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:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to maintain maximum possible accuracy Issue : Repeated late payments inaccurately reported and not updated despite prior dispute Story : I believe this account is reporting late payments in error I have documentation that contradicts the dates of reported delinquency yet no corrections have been made after my first round of disputes the continued reporting of these late payments is harming my credit profile and violates my rights under the FCRA to maintain an accurate report I request full reinvestigation with supporting documents or immediate deletion INQUIRY : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ) Permissible purpose for obtaining credit report Issue : Unauthorized inquiry Story : I did not authorize XXXX XXXX XXXX to access my credit report on this date I have no existing relationship or application with this company and no permissible purpose was given this inquiry was not initiated by me and I request immediate removal as it was made without my consent or a legitimate reason INQUIRY : XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) Credit report access must have valid consumer-initiated purpose Issue : Unauthorized inquiry Story : I did not apply for any credit product or give any form of consent for XXXX  to pull my credit on XX/XX/XXXX this was not a transaction initiated by me and I am concerned about potential identity misuse this inquiry must be removed due to lack of permissible purpose INQUIRY : XXXX  XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) No permissible purpose found Issue : Unauthorized inquiry Story : I have never applied for credit nor had any engagement with XXXX XXXX XXXX on or near XX/XX/XXXX I did not authorize this credit pull and request immediate deletion of this inquiry from my report if no documentation of authorization is provided I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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