Consumer complaint received 2025-11-05 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: NV

Complaint narrative:
I am submitting this formal complaint to report multiple violations committed by the listed furnishers and entities below. These inaccurate and misleading items have caused significant harm to my creditworthiness and financial reputation. Despite my lawful rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the listed entities have failed to ensure accuracy, integrity, and proper authorization in their reporting and inquiries. I demand an immediate and thorough investigation by the CFPB to enforce compliance and remove or correct these items as required by law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$220.00} Late Payment * * These late payments are unproven and unverified. FCRA 609 ( a ) ( 1 ) ( A ) requires full documentation, which has not been shown. Reporting false delinquency without proof violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). The account shows missing payment verification records. I have repeatedly requested validation, but no creditor response has been provided. Failure to correct this error constitutes continued negligence. 

XXXX XXXX XXXX XX/XX/year> No valid authorization or credit application exists. Violates FCRA XXXX, XXXX ( a ). Remove immediately. This inquiry was made without my knowledge or written consent. No legitimate business reason supports this credit access. Continued reporting is a clear invasion of privacy. 

XXXX XXXX XXXXXX/XX/year> Unauthorized access without consent. Violates FCRA 604 ( a ) ( 3 ). Delete immediately. No signed form or application exists linking me to this company. The bureau failed to confirm permissible purpose as required by law. Immediate deletion is demanded under FCRA 616. 

XXXX XXXX XXXX XX/XX/year> XXXX permissible purpose or consent. Reporting this is illegal under FCRA 604 and 616. Delete at once. This inquiry is not tied to any verified transaction. It damages my credit history unjustly. I demand full deletion and proof of removal. 

XXXX XXXX XXXX XX/XX/year> XXXX and unverifiable. Violates FCRA XXXX ( f ). Must be removed. I never applied for credit with this entity. No authorization or written approval was granted. This violation must be corrected immediately. 

XXXX XXXX XX/XX/year> XXXX signed authorization or business purpose. Violates FCRA XXXX ( b ). Delete immediately. This inquiry occurred without any consent or credit request. The bureau has failed to show validation or proof of authorization. Immediate removal is demanded as required by law.

These actions have resulted in inaccurate data being published about me, in violation of federal consumer protection laws. I request the CFPB to compel the above furnishers and entities to provide documented proof of accuracy and authorization or to immediately delete the disputed information from all consumer reporting agencies. I further demand verification documents, including any signed applications or authorization forms, as required under FCRA 609 ( A ) ( 1 ). I am requesting full enforcement of my rights under federal law and immediate remedial actions to correct all false, misleading, or unauthorized information that continues to harm my financial standing.

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