Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Credit Report Inaccuracies Request for Investigation and Removal of Unauthorized Inquiries, Late Payments, and Negative Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the immediate investigation and removal of multiple inaccurate and unauthorized entries reported by the credit bureaus Equifax, TransUnion, and Experian on my credit report dated XX/XX/XXXX, obtained via myFICO. 

Upon reviewing my credit file, I found several items that I believe to be inaccurate, unauthorized, and/or unverifiable. These items are negatively affecting my creditworthiness and are listed below : 1. Hard Inquiries Unauthorized or Without Proper Permissible Purpose I did not authorize many of the inquiries listed below, nor did I initiate any corresponding applications : Experian : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Credit/Landers XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax & TransUnion : XXXX XXXX XXXX dated XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others These inquiries were not initiated by me, and I request that they be deleted in accordance with the Fair Credit Reporting Act ( FCRA ) 604 and 611.

2. Late Payments Inaccurate or Disputed I dispute the accuracy and reporting method of late payments reported for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple late payments and charge-off coding These late payment reports are inaccurate and in some cases duplicative across bureaus. I am requesting full deletion of these entries.

3. Negative Accounts Unverified or Misreported Several accounts are being reported with derogatory statuses, including charge-offs and collections, despite inaccurate histories, lack of verification, or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed and open lines ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either inaccurately reported, improperly verified, or reflect outdated and misleading statuses. Under FCRA 611 and 609 ( a ), I request deletion or updated verification from the data furnishers. 

Supporting Documentation : A copy of my government-issued ID A copy of a utility bill verifying my current address A copy of my full credit report ( myFICO XXXX Report dated XX/XX/XXXX ) Please conduct an investigation into these items and instruct the relevant credit bureaus and furnishers to delete or correct the above accounts and inquiries within the 30-day period as required by law. 

I request a written response detailing the results of your investigation and any actions taken. Thank you for your assistance in resolving these serious reporting inaccuracies.

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