Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What Happened? 
This complaint is being submitted against Experian for continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple formal disputes submitted on my behalf by XXXX XXXX? XXXX  ( via a signed Power of Attorney ), Experian continues to report inaccurate late payments, unauthorized hard inquiries, and personal information errors without providing documentation or legally sufficient verification. 

Under FCRA 611, Experian is required to conduct a reasonable reinvestigation of all disputed items, and FCRA 609 grants the right to request verification records. FCRA 604 prohibits the reporting of inquiries unless there is documented permissible purpose with signed consumer authorization. Experian has failed to comply with each of these provisions. 

Disputed Accounts Issues and Requested Actions XXXXXXXX XXXX XXXX Issue : Account history contains late payments that are not accurate or supported by billing history. 

Requested Action : Delete all late payments from this account while keeping the account open and active. 

XXXX XXXX  XXXX Issue : Late payments are reported erroneously ; no default occurred. 

Requested Action : Remove all negative payment history from this account, but keep it reporting in good standing. 

XXXX XXXX XXXX Issue : Delinquency entries are being reported inaccurately and conflict with payment records. 

Requested Action : Eliminate all negative payment reporting from this account and continue to report it as current. 

Disputed Inquiries Issues and Requested Actions EXPERIAN XXXX XXXX  XX/XX/XXXX Issue : This inquiry was performed without my knowledge or consent. 

Requested Action : Delete this unauthorized inquiry immediately. 

XXXX XXXX XX/XX/XXXX Issue : I never applied for credit or authorized a credit check with this lender. 

Requested Action : Remove this inquiry and confirm deletion in writing. 

XXXX XXXX XXXX XX/XX/XXXX Issue : No credit request or permissible purpose for this inquiry. 

Requested Action : Immediately delete this inquiry from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry without application or consent. 

Requested Action : Remove and flag as unauthorized. 

XXXX XXXX XX/XX/XXXX Issue : No loan application or inquiry consent provided by me. 

Requested Action : Delete this entry and confirm removal. 

XXXX XX/XX/XXXX Issue : XXXXnquiry is linked to an unknown party with no authorization or credit activity.

Requested Action : Delete this inquiry and notify me of its removal.

FCRA Violations by Experian 611 : Failure to reasonably reinvestigate and verify disputed information. 

609 : Refusal to provide full verification records or application documents.

604 : Reporting inquiries without consumer authorization or permissible purpose. 

XXXX XXXX XXXX : XXXX v. XXXX  ( XXXX ) : Bureaus may not rely solely on furnishers to verify data. 

XXXX XXXX XXXX, XXXX ( XXXX ) : Lack of verification or disclosure constitutes FCRA violation XXXX 

XXXX v. Experian ( XXXX ) : Retaining unauthorized inquiries is considered a willful violation.

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