Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian due to the continued reporting of inaccurate, outdated, and unauthorized information on my credit report. Despite my efforts to resolve these issues directly with the credit bureau, they remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the following serious matters : XXXX. XXXX XXXX XXXX Account Number : # XXXX * * High Balance : {$530.00} Date Opened : XX/XX/XXXX Issue : Reported Late Payment This account is inaccurately reporting a late payment which I strongly dispute. I have not received proper notification or validation of this delinquency. Furthermore, the creditor has failed to provide evidence verifying the accuracy of the late mark as required under : FCRA XXXX ( XXXX XXXX XXXX XXXX ) Failure to conduct a reasonable investigation. 
FCRA XXXX ( b ) ( XXXX XXXX XXXX XXXX ( b ) ) Obligation to ensure maximum possible accuracy. 
Despite previous disputes, Experian continues to report this derogatory mark without properly validating it. This negatively affects my creditworthiness and violates federal law. 
XXXX. Unauthorized/Unverified Hard Inquiries These inquiries were not authorized by me, nor do I have any existing business relationship or credit application with the listed companies. Repeated hard inquiries without consent constitute a violation of my consumer rights under the FCRA. 
Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Applicable XXXX : FCRA XXXX ( a ) ( XXXX ) No permissible purpose for accessing my report. 
FCRA XXXX & XXXX ( XXXX XXXX XXXX XXXX & XXXX ) Civil liability for willful and negligent noncompliance. 
These inquiries were made without my knowledge or consent. I did not apply for credit with any of the above institutions. They must be removed immediately, and Experian must investigate and provide proof of permissible purpose from each party involved. 
Request for Relief : XXXX. Immediate removal of the inaccurate late payment from XXXX XXXX XXXX 
XXXX. Deletion of all unauthorized hard inquiries listed above from my Experian credit report. 
XXXX. A full investigation into Experians failure to comply with FCRA standards. 
XXXX. A formal statement and documentation confirming the corrections made. 
Final Note : This is my second formal attempt to have this matter resolved. I have not yet filed with the FTC, but I will be escalating this issue further if the violations are not addressed promptly. My credit reputation and financial wellbeing are being seriously harmed due to Experian 's negligence. 
Thank you for your attention to this serious matter. I respectfully request immediate corrective action in accordance with federal law.

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