Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple inaccurate and unauthorized items that are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to dispute these errors with the credit reporting agency, the issues remain unresolved. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that these violations are properly addressed. 

First, XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting a late payment, which is inaccurate. I reviewed my records and found no evidence that I was ever late on this account. I was never notified by SC FED XXXX of any delinquency, and no verifiable documentation has been provided to support this derogatory remark. This reporting violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which mandates a proper reinvestigation of any disputed information. The presence of this unverified late payment continues to negatively impact my XXXX XXXX and has resulted in denials for credit opportunities and increased interest rates. I request that this inaccurate late payment be removed immediately. 

Second, XXXX ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting a late payment that is completely unjustified. I had automatic payments set up on this account, and at no time did I receive any alerts or notices of missed payments. If there was any issue, the creditor never attempted to resolve it or provide any documentation to validate the claim. Under the FCRA, specifically 15 U.S.C. 1681i, no credit bureau may continue reporting derogatory information that can not be verified with original documentation. I believe this account is being inaccurately reported, and the negative impact it has caused is both unfair and unlawful. I have made every reasonable effort to resolve this directly with Experian, but no supporting documentation has been presented. 

Additionally, XXXX unauthorized hard inquiries have appeared on my credit report, all dated XX/XX/year>. These inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not apply for credit with any of these companies and did not XXXX them permission to access my credit report. Under 15 U.S.C. 1681b, a credit report may only be accessed with a consumers authorization or for a permissible purpose. These inquiries were made without my knowledge or consent and were not tied to any legitimate credit application. Despite my disputes, Experian has failed to provide any documentation showing that I authorized these inquiries. Their continued presence on my file falsely indicates that I have sought multiple lines of credit, which harms my XXXX XXXX and gives lenders an inaccurate picture of my credit behavior. 

These unauthorized and inaccurate items are causing both emotional stress and financial harm. I am deeply frustrated by Experian 's failure to properly investigate and remove these errors. The FCRA was established to protect consumers like me from precisely this type of negligent and unlawful reporting. 

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau take immediate steps to ensure Experian complies with federal law by : Deleting the inaccurate late payment reporting from SC FED XXXX and XXXX unless Experian and the furnishers can produce verifiable, original billing records proving delinquency. 

Removing the unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian or XXXX entities involved can produce signed credit applications or documented consumer authorization. 

Thank you for your help in holding Experian accountable and protecting my rights under the FCRA.

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