Consumer complaint received 2025-07-16 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 formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law : FCRA Section 611 ( a ) allows me to dispute incomplete or inaccurate information and FDCPA Section 807 ( 2 ) ( A ) prohibits false representations of a debt Issue : This account is showing late payments that are not accurate or substantiated Story : I made all payments on time or had a payment arrangement, and was not notified properly of any delinquency. These derogatory marks are unjust and do not reflect my payment behavior XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX  Inquiry Law : FCRA Section 604 ( a ) ( 3 ) restricts credit inquiries to only those with permissible purpose and Section 616 allows damages for noncompliance Issue : I did not authorize this hard inquiry and have no application record with XXXX XXXX XXXX XXXX on that date Story : This pull on my credit file was done without my knowledge or consent and may indicate misuse of my information or system error XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 prohibits hard inquiries without consumer consent and legitimate purpose Issue : This inquiry is also unauthorized and I never applied for any product with XXXX or XXXX XXXX on or near that date Story : I did not initiate any financial interaction with these companies and I have no documentation or recollection of providing consent for this access XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) restricts the use of consumer reports to cases with consumer-initiated action and specific permissible purpose Issue : I never applied for financing or any services with XXXX and therefore this inquiry is unauthorized Story : I have not had any interaction with XXXX on or around the date listed, nor did I grant them permission to access my credit file I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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