Consumer complaint received 2025-09-26 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: WA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report continues to reflect inaccurate, unverifiable, and misleading information despite my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my creditworthiness and causing ongoing harm, and I am requesting a thorough investigation, deletion of inaccurate information, and compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was placed on my credit file without permissible purpose, which is a violation of FCRA 604. I did not authorize this creditor to access my report, and no evidence has been produced showing otherwise. Under the law, a consumer report may only be accessed with express consent or for a legitimate business need that is initiated by the consumer. Since no credit application or signed authorization exists, this inquiry is unauthorized. Excessive inquiries reduce credit scores and mislead potential creditors into believing I am seeking unnecessary or high-risk credit. I have previously disputed this inquiry, yet the bureau has failed to remove it, demonstrating noncompliance with 611. The continued reporting of this unauthorized inquiry is reckless and negligent because it misrepresents my financial activity. The FCRA requires that unverifiable data be deleted, not just updated, and failure to do so is a direct violation of federal standards. This inquiry is damaging to my creditworthiness because it creates an impression of risk that is false and unsupported. By keeping it in place, the bureau is endorsing an unlawful invasion of my privacy. The FDCPA also supports my position because no debt collection or account relationship exists with this entity. Without evidence of consent, this inquiry is null and void. It is your duty to immediately delete this unauthorized inquiry to comply with consumer protection laws. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry This inquiry is reported on my credit file even though I never authorized it, making it unlawful under FCRA 604. A creditor can not access a consumers credit report without permissible purpose, and no documentation has been provided proving that I gave consent. This is my third dispute regarding this matter, which demonstrates repeated failure to comply with 611 reinvestigation requirements. By leaving this inquiry on my file, the credit bureau is publishing inaccurate and unverifiable information. This harms my creditworthiness by suggesting that I applied for credit when I did not. Potential creditors may view this as a sign of financial instability, which is misleading and damaging. The bureau is obligated under 607 ( b ) to maintain maximum accuracy, but this inquiry clearly fails that test. Repeatedly ignoring disputes without producing validation is evidence of willful noncompliance under 616 of the FCRA. Each day this inquiry remains on my file, I suffer adverse effects such as lower scores and lost opportunities. I have not received any signed application or documentation proving I permitted this creditor to view my file. Therefore, the burden of proof has not been met. The continued presence of this inquiry is not only inaccurate but also unlawful. I demand that this inquiry be deleted immediately in accordance with my rights under federal law.

I am requesting the CFPB to step in and enforce compliance with the Fair Credit Reporting Act, require deletion of the inaccurate late payment and removal of unauthorized inquiries, and ensure that the furnishers and bureaus are held accountable for repeated violations of consumer protection laws.

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