Consumer complaint received 2025-09-13 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 the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

DISPUTED ACCOUNTS XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX This account continues to show late payments that have never been proven with any original documentation or signed billing statements. Under FCRA 611, you must provide the method of verification and supply proof from the furnisher if requested. Simply verifying with a data furnisher without reviewing original evidence is not a proper reinvestigation as required by law. Reporting unverified late payments lowers my credit score and harms my ability to obtain affordable credit. The FCRA requires you to delete any data that can not be fully substantiated, and since no proper verification has been provided in prior disputes, you are now required to delete this entry entirely. Continued reporting of this unverified negative item is considered willful noncompliance under FCRA 616 and exposes your agency to liability. 

XXXX XXXX XXXX XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX XXXX XXXX This account is listed as a charge-off, which is a serious derogatory mark, yet no original signed agreement, account history, or full validation has been provided despite my prior disputes. Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must not report information they know or should know is inaccurate. A charge-off without full documentation of default violates the accuracy standards of FCRA 607 ( b ). I have not been provided with any proof showing this debt was legally charged off in accordance with proper accounting rules. Without proper validation, you must delete this account completely. Continuing to report it without verifying it with competent evidence will be treated as negligent and possibly willful noncompliance. 

XXXX BANK XXXX XXXX XXXX  High Balance : {$7800.00} Date Opened : XX/XX/XXXX XXXX XXXX This charge-off continues to report and harm my credit despite my two previous disputes. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be promptly deleted. A simple automated response from the furnisher is not sufficient verification. I have not been presented with a complete payment history, default notice, or signed agreement proving this charge-off is accurate. You are obligated to conduct a meaningful reinvestigation, not simply rely on the creditors database. Failure to remove or correct this account will constitute willful noncompliance and may be escalated to the CFPB and legal action under FCRA 616 and 617. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  This account reports late payments despite showing a {$0.00} balance, which is logically inconsistent and damaging to my credit profile. Under FCRA 607 ( b ), you must ensure that only accurate and complete information is reported. A XXXX balance can not be simultaneously delinquent. Reporting this way creates a false impression of ongoing delinquency, which is inaccurate and misleading to potential creditors. You are required to delete this tradeline or correct it so that no late payments are shown. Continued reporting of this false information will be viewed as failure to meet your duty of maximum possible accuracy. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX ) I did not request or authorize any credit application with this company. Under FCRA 604 ( a ) ( 3 ), this inquiry must have a permissible purpose, which is absent here. It is negatively impacting my credit file and must be removed right away. 

XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) No consent was given for this inquiry. The FCRA is clear that hard inquiries must be supported by consumer authorization. Since I never applied, this is an impermissible pull and must be deleted immediately. 

XXXX XXXX ( XX/XX/XXXX ) This inquiry was done without my knowledge or permission. FCRA 604 requires proper authorization, and none has been provided. This inquiry is damaging my score and must be removed. 

XXXX XXXX ( XX/XX/XXXX ) I have no application on file with XXXX XXXX that would justify this inquiry. This is unauthorized and must be deleted under the FCRAs permissible purpose requirement. 

XXXX XXXX ( XX/XX/XXXX ) This hard inquiry was not initiated by me. Under FCRA 604, you must delete inquiries that can not be verified with evidence of my consent. Please remove this immediately. 

XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize this inquiry, and no application was made. This violates FCRAs permissible purpose rule and must be permanently deleted. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) This was an impermissible pull of my credit file, as I never applied for credit with this lender. FCRA 604 requires you to delete unverifiable inquiries. 

XXXX XXXX  ( XX/XX/XXXX ) I did not authorize this credit inquiry. This unauthorized access harms my score and violates FCRAs permissible purpose standards. Please delete it right away. 

XXXX ( XX/XX/XXXX ) No credit application was made by me on this date. Under FCRA, any inquiry without a permissible purpose must be deleted to maintain accuracy. 

XXXX XXXX ( XX/XX/XXXX ) I never gave permission for this inquiry. This is unauthorized under FCRA 604 and must be removed immediately. 

XXXX XXXX XXXX ( XX/XX/XXXX ) I have no membership or credit request with this credit union. This inquiry is unauthorized and must be permanently deleted. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) This inquiry is not backed by any application or authorization from me. Under FCRA, unverifiable inquiries must be removed to protect consumer rights. 

XXXX XXXX XXXX ( XX/XX/XXXX ) This inquiry remains without proof of permissible purpose. FCRA requires deletion if no authorization can be verified. 

XXXX XXXX ( XX/XX/XXXX ) I did not apply for credit with XXXX on this date. This unauthorized inquiry is harming my score and must be deleted. 

XXXX ( XX/XX/XXXX ) I did not authorize this inquiry. FCRA 604 prohibits such pulls without my consent. Please delete it to restore accuracy. 

XXXX XXXX XXXX ( XX/XX/XXXX ) I never applied for credit with XXXX XXXX on this date. This inquiry is unauthorized and must be removed immediately. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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