Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint regarding several inaccuracies and harmful reporting practices that have severely affected my consumer credit profile. The entities listed below have either reported, verified, or maintained inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Consumer Financial Protection laws. 

Accounts in Question : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX-XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX Issue Description : Each of these companies has reported or verified information that is inaccurate, incomplete, or unverifiable. Despite prior disputes and validation requests, they failed to provide documented evidence supporting the accuracy and legitimacy of the data being reported. 

This misinformation has caused substantial damage to my creditworthiness, including denied credit applications, higher interest rates, and emotional distress due to reputational harm. 

Violations of Federal Law : Under 15 U.S.C. 1681i ( FCRA Section 611 ), consumer reporting agencies and data furnishers are required to investigate disputes within 30 days and delete or correct inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2, furnishers of information must report only accurate data and promptly update or delete errors when notified.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy.

Under 12 U.S.C. 5531, unfair, deceptive, or abusive acts or practices ( UDAAP ) are strictly prohibited under CFPB oversight.

These entities have demonstrated noncompliance with the above statutes by continuing to report unverifiable or false information after disputes were properly submitted.

Requested Action : I respectfully request that the Consumer Financial Protection Bureau : Conduct a thorough investigation into the reporting and verification practices of each entity listed above.

Require them to produce verifiable documentation of any alleged debt, account, or transaction within their reporting.

If no verifiable evidence is provided, mandate the deletion or correction of the disputed information immediately.

Enforce applicable penalties for violations of the Fair Credit Reporting Act and related consumer protection statutes.

Supporting Information : I am prepared to provide : Copies of credit reports showing these accounts, Prior dispute letters and responses, Any written communications between myself and these furnishers or credit reporting agencies.

Conclusion : I trust the CFPB will take this complaint seriously, as the ongoing reporting of false or unverifiable information has created significant and unlawful harm to my credit standing. I seek a full investigation, removal of inaccurate data, and enforcement of federal consumer protection laws to prevent such conduct from recurring.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

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