Consumer complaint received 2025-06-10 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:
To Whom It May Concern, I am submitting this formal complaint to bring to your immediate attention multiple inaccuracies, unlawful reporting practices, and unauthorized hard inquiries on my credit reports. These reporting issues have significantly harmed my creditworthiness and financial reputation, causing undue stress and financial difficulties. 
Despite my continuous efforts to resolve these issues directly with the reporting agencies and creditors, the problems persist, violating my rights under the Fair Credit Reporting Act ( XXXX  ), the Fair Debt Collection Practices Act ( XXXX ), and other applicable consumer protection laws. 
Below is a detailed list of the accounts in question, their respective account numbers, issues encountered, and the laws violated : XXXX. XXXX XXXX CRED # XXXX * * * * High Balance : {$890.00} Date Opened : XX/XX/XXXX Issue : Repeated Late Payments reported inaccurately. 
Legal Reference : Section XXXX of FCRA requires accurate and complete reporting of payment history. Failure to verify and correct these late payments violates this. 
XXXX. XXXX # XXXX * * * * High Balance : {$890.00} Date Opened : XX/XX/XXXX Issue : Late Payments inaccurately reported. 
Legal Reference : FCRA Section XXXX mandates dispute investigation and correction of inaccurate information, which has not been properly addressed. 
XXXX. XXXX XXXX XXXX # XXXX * * * * High Balance : {$20000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported or in dispute. 
Legal Reference : Under FCRA XXXX XXXX, consumer reporting agencies must maintain maximum possible accuracy ; failure to do so is a violation. 
XXXX. XXXX # XXXX * High Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Late Payments reported without proper validation. 
Legal Reference : FDCPA prohibits debt collectors from reporting inaccurate information. 
XXXX. XXXX XXXX CRED # XXXX * * * * High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Charge Off reporting is inaccurate or unverifiable. 
Legal Reference : XXXX FCRA XXXX XXXX, disputed information must be removed if unverifiable. 
XXXX. XXXX  # XXXX * * * * * * * * High Balance : -- Date Opened : XX/XX/XXXX Issue : Charge Off incorrectly reported or unresolved dispute. 
Legal Reference : FCRA and FDCPA require proper validation before reporting charge offs. 
XXXX. XXXX  # XXXX * * * * High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported erroneously. 
Legal Reference : Violates FCRA accuracy provisions. 
XXXX. XXXX XXXX XXXX # XXXX * * * * High Balance : {$460.00} Date Opened : XX/XX/XXXX Issue : Collection account inaccurately reported. 
Legal Reference : FDCPA requires debt collectors to report only accurate, validated debts. 
XXXX. XXXX XXXX XXXX # XXXX * High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : Collection account reporting errors. 
Legal Reference : FCRA mandates removal of unverifiable or disputed information. 
XXXX. XXXX XXXX XXXX # XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Issue : Incorrect collection reporting. 
Legal Reference : FDCPA Section XXXX requires debt verification. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : -- Date Opened : XX/XX/XXXX Issue : Collection inaccurately reported without validation. 
Legal Reference : FCRA Section XXXX mandates removal if unverifiable. 
XXXX. XXXX XXXX # XXXX * * * * * * * * High Balance : {$360.00} Date Opened : XX/XX/XXXX Issue : Charge Off reporting errors. 
Legal Reference : Violates FCRAs accuracy requirements. 
Unauthorized Inquiries ( Hard Pulls Without My Consent ) : P.T. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  SER - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX XXXX FCU - XX/XX/XXXX Legal Reference : Under FCRA XXXX XXXX ( a ), consumer reports can not be accessed without a permissible purpose. Unauthorized hard inquiries are unlawful and harmful to my credit. 
Summary of Violations : Failure to ensure maximum possible accuracy as required by FCRA Sections XXXX, XXXX, and XXXX. 
Reporting of unverifiable or disputed accounts violating FCRA Section XXXX. 
Debt collectors violating FDCPA provisions by reporting inaccurate or unverified debt information. 
Unauthorized hard inquiries without permissible purpose violating FCRA Section XXXX ( a ). 
Requested Resolution : XXXX. Immediate investigation and correction or deletion of all inaccurate late payments, charge offs, and collections listed above. 
XXXX. Removal of all unauthorized hard inquiries from my credit reports. 
XXXX. Written confirmation of actions taken on this complaint. 
XXXX. Assurance that all future reporting complies fully with the FCRA and FDCPA. 
I expect prompt resolution in compliance with federal laws protecting consumers. Failure to address these concerns will compel me to escalate the matter further, including legal action if necessary. 
Thank you for your immediate attention.

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