Consumer complaint received 2025-09-21 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 through CFPB to address significant inaccuracies on my credit report. There are accounts and unauthorized inquiries listed that are not associated with me, which are severely impacting my credit score and financial reputation. I request that CFPB thoroughly investigate these issues and ensure accurate information is reflected on my credit report. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Chargeoff * * This account is reported as a charge-off, which is false and misleading. I never opened, authorized, or used this account. I have never received any statements, notices, or communications indicating any debt or default. Reporting this as a charge-off harms my creditworthiness and violates FCRA 1681s-2 ( b ), which mandates accurate reporting by furnishers. I have documentation confirming I am not associated with this account. The account can not be verified, and under FCRA 1681i, it must be removed. Continued reporting of this false charge-off causes denial of credit and financial distress. This accounts presence on my credit report is a clear violation of 1681e ( b ), which requires maximum accuracy. I demand deletion of this account immediately. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * This is a duplicate reporting of the previous XXXXXXXX XXXX account. It is falsely listed as an additional charge-off, which is misleading and violates FCRA 1681e ( b ). Accurate reporting requires no duplication. I have evidence proving this account is already reported elsewhere and should not appear multiple times. The reporting agency has failed to verify and remove duplicates despite prior disputes. Under FCRA 1681i, continued reporting of this false duplicate is illegal. It falsely suggests I owe multiple debts and has damaged my credit. I demand permanent removal. Continued reporting is harmful and violates the law. I request confirmation once deleted. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account falsely lists a late payment. I have proof of timely payments. Reporting this inaccuracy violates FCRA 1681i and 1681e ( b ). No documentation exists to justify this late reporting. Continued reporting of unverifiable information harms my ability to secure credit. I demand deletion and written confirmation of correction. Reporting false information constitutes a willful violation of FCRA. I provided prior evidence showing account was paid on time. Immediate action is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This charge-off is inaccurate. I either fully paid or never authorized this account. FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) require accurate reporting and reinvestigation of disputed items. I have documentation confirming no valid delinquency exists. Reporting this account is harmful and violates my rights. Immediate deletion is demanded. Continued reporting constitutes willful violation of FCRA. Written confirmation of removal is required. 

Inquiry : XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry and was never contacted regarding credit approval. FCRA Section 604 ( a ) prohibits inclusion of inquiries without consumer consent. The reporting of this entry is inaccurate and misleading. Its presence has negatively impacted my credit score. Under FCRA Section 607 ( b ), I am entitled to accurate reporting. I demand full reinvestigation under FCRA Section 611 ( a ). Failure to delete it constitutes continued reporting of false information. I request written confirmation of its deletion. This inquiry is a direct violation of my rights. I did not apply or authorize credit. Maintaining it harms my financial opportunities and creditworthiness. Immediate action is required to remove this inaccurate entry. 

XXXX XXXX XXXX  XX/XX/XXXX This inquiry is unauthorized and invalid. I never applied for credit with this entity. FCRA Section 604 ( a ) requires my consent for all hard inquiries. Reporting it falsely harms my credit profile. Under FCRA Section 607 ( b ), I am entitled to accurate credit reporting. FCRA Section 611 ( a ) mandates prompt reinvestigation of disputed entries. Continuing to report this inquiry is a legal violation. Its presence lowers my credit score and affects lending decisions. I demand deletion and verification of accuracy. Written confirmation of removal is required. This inquiry must be removed immediately as it is inaccurate and unauthorized. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not apply for or authorize credit here. Inclusion of this inquiry violates FCRA Section 604 ( a ). Reporting false inquiries negatively impacts my credit score. FCRA Section 607 ( b ) guarantees my right to accurate information. Under FCRA Section 611 ( a ), I request a full reinvestigation. Maintaining this inquiry constitutes the continued reporting of false information. It misleads creditors and harms my financial opportunities. I demand deletion and written verification. Unauthorized inquiries can not legally remain on my report. Failure to remove this entry is a violation of my consumer rights. Immediate removal is required. 

XXXX XXXX XXXX XX/XX/XXXX I never requested or approved this credit inquiry. FCRA Section 604 ( a ) prohibits unauthorized reporting. This entry is inaccurate and damages my creditworthiness. FCRA Section 607 ( b ) ensures my report is correct. FCRA Section 611 ( a ) requires full reinvestigation and correction. Keeping this inquiry is a violation of federal law. It negatively impacts my credit score and lending potential. I demand its deletion and confirmation in writing. Reporting false information continues to harm me. Immediate corrective action is required under FCRA. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry. FCRA Section 604 ( a ) prohibits reporting inquiries without consent. This inaccurate entry reduces my credit score and financial opportunities. FCRA Section 607 ( b ) guarantees accuracy. FCRA Section 611 ( a ) requires reinvestigation and deletion of incorrect entries. Maintaining it violates my consumer rights. Written confirmation of removal is requested. Reporting unauthorized inquiries is illegal. Its presence is misleading and harmful. Immediate removal is required to comply with FCRA. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. FCRA Section 604 ( a ) prohibits unauthorized inquiries. Reporting it inaccurately harms my creditworthiness. FCRA Section 607 ( b ) guarantees my right to correct credit information. Under FCRA Section 611 ( a ), I demand reinvestigation. Its continued presence violates federal law. I request written confirmation of removal. Unauthorized inquiries mislead lenders. Keeping it on my report damages my financial opportunities. Immediate deletion is required. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. FCRA Section 604 ( a ) prohibits such entries. Reporting it is misleading and lowers my credit score. FCRA Section 607 ( b ) ensures my report is accurate. Under FCRA Section 611 ( a ), I request a thorough reinvestigation. Keeping it on my report continues to violate federal law. Written confirmation of deletion is required. Unauthorized inquiries harm my financial reputation. Maintaining this entry is illegal. Immediate removal is demanded. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. FCRA Section 604 ( a ) prohibits reporting without consent. Its presence negatively affects my credit score. FCRA Section 607 ( b ) protects my right to accurate credit information. FCRA Section 611 ( a ) mandates reinvestigation of disputed inquiries. Keeping it violates federal law. Written confirmation of removal is required. Unauthorized entries mislead lenders and creditors. Its continued presence is harmful and illegal. Immediate deletion is demanded. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Unauthorized inquiry. I never applied for credit here. FCRA Section 604 ( a ) prohibits inclusion without consent. It reduces my creditworthiness. FCRA Section 607 ( b ) ensures accuracy. FCRA Section 611 ( a ) mandates reinvestigation and correction. Maintaining it violates my rights. Written confirmation of removal is required. Unauthorized inquiries harm my financial opportunities. Immediate deletion is demanded. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry. FCRA Section 604 ( a ) prohibits reporting unauthorized inquiries. Its presence negatively impacts my credit. FCRA Section 607 ( b ) guarantees accurate reporting. Under FCRA Section 611 ( a ), I demand full reinvestigation. Continuing to report it violates federal law. Written confirmation of removal is required. Unauthorized inquiries mislead lenders. Its presence damages my financial reputation. Immediate deletion is required. 

XXXX XXXXXX/XX/XXXX Unauthorized inquiry violating FCRA Section 604 ( a ). I did not apply or approve this credit check. Reporting it inaccurately harms my credit score. FCRA Section 607 ( b ) ensures accuracy. FCRA Section 611 ( a ) requires reinvestigation. Continuing to report violates law. Written confirmation of deletion is required. Unauthorized entries mislead lenders and harm credit opportunities. Immediate removal is demanded. 

XXXX XXXXXX/XX/XXXX Unauthorized and inaccurate. FCRA Section 604 ( a ) prohibits reporting without consent. It lowers my credit score. FCRA Section 607 ( b ) ensures accuracy. FCRA Section 611 ( a ) mandates reinvestigation. Continuing to report is a violation. Written confirmation of removal is required. Unauthorized inquiries mislead lenders and damage opportunities. Immediate deletion is demanded. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA Section 604 ( a ) prohibits reporting without my consent. It harms my credit profile. FCRA Section 607 ( b ) ensures accuracy. FCRA Section 611 ( a ) mandates reinvestigation and correction. Maintaining it violates law. Written confirmation of removal is required. Unauthorized entries mislead lenders. Immediate deletion is demanded. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry violating FCRA Section 604 ( a ). I did not apply or authorize credit. Its presence harms my creditworthiness. FCRA Section 607 ( b ) guarantees accurate reporting. FCRA Section 611 ( a ) requires reinvestigation. Maintaining it violates law. Written confirmation of deletion is required. Unauthorized inquiries mislead lenders. Immediate deletion is demanded. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry violating FCRA Section 604 ( a ). I never authorized credit. It negatively affects my credit score. FCRA Section 607 ( b ) ensures accuracy. FCRA Section 611 ( a ) mandates reinvestigation. Keeping it violates federal law. Written confirmation of deletion is required. Unauthorized inquiries mislead lenders and damage opportunities. Immediate removal is demanded. 

I request through CFPB that all inaccuracies on my report be promptly investigated, corrected, and that my credit report reflects accurate information. I have documentation ready to verify my claims, and I request that CFPB handle this complaint thoroughly to protect my financial future and prevent any negative impact on my lending and credit opportunities.

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