Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
Subject : Formal Complaint Unauthorized Inquiry, Account Disputes, and XXXX Score Correction Request Regarding : TransUnion, Equifax, Experian ; XXXX XXXX Bank of XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint regarding several inaccurate and potentially unlawful entries on my credit reports, which have negatively impacted my XXXX XXXX XXXX and violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Unauthorized Hard Inquiry Syncb/Lowes Inquiry Date : XX/XX/XXXX Appears On : TransUnion, Equifax, Experian Estimated Removal Date : XX/XX/XXXX I did not apply for credit with XXXX and did not authorize this hard inquiry. Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only release a report with a permissible purpose. This inquiry was unauthorized and should be removed immediately from all three bureaus. I also request that my FICO score be corrected to reflect the removal of this inquiry. 

XXXX. Charge-Off XXXX XXXX XXXX Account Type : Revolving Account Status : Charged off Balance : {$75.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Delinquency History : None reported ( XXXX ) Appears On : TransUnion, Equifax, Experian This account appears as a charge-off despite showing no late payments. This inconsistency raises questions about the accuracy of the reporting. Under FCRA 611 ( 15 U.S.C. 1681i ), I request full validation of this account. If validation can not be provided, the account should be deleted and my FICO score updated accordingly. 

XXXX. Collection XXXX XXXX XXXX Status : Collection Balance : {$68.00} Date Opened : XX/XX/XXXX Debt Buyer : XXXX XXXX XXXX ( Serviced by XXXX XXXX XXXX ) Appears On : TransUnion, Equifax, Experian I dispute this collection and request debt validation under FDCPA 809 ( 15 U.S.C. 1692g ). I request : Proof that XXXX owns this debt A copy of the original signed agreement Full accounting of the balance If XXXX can not validate this account, it must be removed from all credit reports, and my FICO score must be adjusted to reflect the deletion of this derogatory information. 

Supporting Documents Included : Screenshots of all XXXX disputed credit items Statement of non-authorization for XXXX XXXX XXXX for debt/account validation Request for FICO Score Correction Due to the negative impact of these unauthorized or unverifiable entries, I formally request that : All three credit reporting agencies ( TransUnion, Equifax, Experian ) update my credit file.

My FICO score be recalculated to reflect the corrected and/or removed data.

Under FCRA 1681i ( a ) ( 5 ), credit bureaus must not only correct or delete inaccurate items but also notify any party that received my report of the changes.

I respectfully request that the Consumer Financial Protection Bureau investigate these issues and ensure the credit bureaus and furnishers involved comply with federal consumer protection laws. 

Thank you for your time and assistance. 

Sincerely, XXXX

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