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 submitting this complaint to formally dispute multiple inaccuracies on my credit report that are causing substantial harm to my financial reputation, creditworthiness, and ability to access fair credit. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666, I am entitled to have all inaccurate, unverifiable, or unauthorized information corrected or removed. These errors have resulted in significant distress, denied credit opportunities, and incorrect reporting that does not reflect my true financial behavior. I request CFPB oversight to ensure a complete, accurate, and lawful reinvestigation of each item listed below. 

Account : XXXXXXXX XXXX XXXXXXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account is inaccurately reporting late payments. I dispute each late payment listed. Under FCRA 1681i and 1681s-2, furnishers must provide complete and accurate reporting. I have documentation proving all payments were made on time. Despite multiple disputes, these late payments remain uncorrected. Reporting late payments that did not occur is harmful to my credit score. It also constitutes willful or negligent noncompliance with federal law. I request a full reinvestigation and validation of each reported late payment. If verification can not be provided, these entries must be deleted immediately. The continued reporting of false late payments is damaging. I never received any notices of late payments from the creditor. The reporting is inaccurate, misleading, and violates FCRA requirements. I request written confirmation of any corrections. This is a serious violation affecting my financial reputation. I demand full compliance and immediate action. Correcting or removing these items is legally required. Failure to act exposes the bureau and furnisher to legal liability. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX I never authorized this inquiry. Under FCRA XXXX XXXX. XXXX, consumer reporting agencies XXXX only report inquiries with proper authorization. This inquiry appears fraudulent or unauthorized. Its presence is damaging and misleading to potential creditors. I dispute its validity. The bureau must delete this inquiry immediately if verification can not be provided. Continued reporting without consent is a violation of federal law. I request written confirmation of removal. I did not apply for credit with XXXX or authorize any agent to request my credit report. Reporting this inquiry harms my creditworthiness. Any continued presence of this inquiry is unlawful. XXXX correction is required. I demand that my rights under FCRA XXXX be fully respected. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX I dispute the legitimacy of this inquiry. I never authorized it. FCRA XXXX requires permissible purpose for all inquiries. No documentation proving my authorization exists. Reporting this inquiry is damaging and misleading. I request immediate removal. Failure to delete this inquiry violates federal law. I did not initiate or approve this request. It negatively impacts my credit evaluation. Unauthorized reporting is illegal under FCRA. XXXX correction is requested. I demand written verification of removal. Continued reporting exposes the bureau to legal liability. My rights as a consumer are being violated. Corrective action must be taken without delay. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized. Under FCRA XXXX, reporting inquiries without consumer consent is illegal. I request immediate deletion. Its presence falsely implies I applied for credit. Reporting without authorization harms my creditworthiness. I never requested any services or applied for financing. The inquiry must be removed. I demand written confirmation of removal. Continued reporting constitutes a violation of my rights. This is unauthorized and potentially fraudulent activity. The bureau must comply with FCRA regulations. XXXX action is legally required. My prior disputes have been ignored. I expect full reinvestigation and removal. Legal remedies are available if the bureau fails to act. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. No authorization was given. FCRA XXXX governs permissible inquiries. Reporting this is harmful and misleading. I request deletion. XXXX of authorization must be provided. I did not request or approve any inquiry. Continued reporting is illegal. I demand written confirmation of removal. Unauthorized inquiries violate my rights under FCRA. XXXX correction is required. The inquiry damages my credit profile. The bureau must comply with federal law. I request a full reinvestigation. Failure to act exposes the bureau to liability. XXXX removal is required. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry. No consent was given. Reporting this violates FCRA 1681b. It damages my creditworthiness. I request deletion. Verification of authorization must be provided. I never applied for credit with this entity. Reporting without consent is illegal. The inquiry should be removed immediately. Written confirmation of removal is requested. This unauthorized reporting is harmful. Continued presence violates federal law. The bureau must reinvestigate. My rights must be respected. Failure to act exposes the bureau to liability. Immediate removal is required. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. I did not authorize it. FCRA 1681b requires consumer consent for all inquiries. Its reporting is misleading. I request deletion. No documentation exists proving my authorization. Continued reporting violates FCRA. Immediate removal is required. The inquiry falsely indicates credit activity. I demand written confirmation of removal. Unauthorized inquiries harm my credit profile. The bureau must reinvestigate thoroughly. My rights are being violated. Legal action may follow noncompliance. Immediate deletion is necessary.

I request CFPB review and enforcement to ensure all inaccurate late payments, unauthorized inquiries, and reporting errors are fully corrected in accordance with the FCRA, FCBA, and other applicable federal laws. The persistent reporting of these inaccuracies has caused undue financial harm, stress, and barriers to fair credit access. Immediate action is warranted to restore the accuracy of my credit history and uphold my legal rights. I am seeking CFPB intervention to ensure proper reinvestigation, deletion of all unverifiable items, and confirmation that my credit report reflects only accurate and lawful information.

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