Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against multiple inaccuracies and violations found on my credit report. These issues include false and unverifiable addresses, unauthorized hard inquiries, charge-offs, and late payments that are being reported by several furnishers without proper verification or compliance with federal laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These reporting errors are causing me serious financial hardship, denial of housing, auto financing, and emotional distress. Despite attempts to resolve these issues with credit bureaus, the false data remains, prompting this CFPB complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This charge-off was reported without validation or explanation. I never received notices or collection attempts before this drastic step. 
Law : FDCPA 809 ( b ) and FCRA 1681b require debt validation and accurate furnishing. 
Story : I lost a job and went through a financial hardship period, but was never offered options or notified of collections. Without communication, this charge-off was added to my report, severely damaging my credit score. I have been unable to buy a car or secure personal loans due to this false negative mark. I request full debt validation or immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Issue : The late payments were due to COVID-related hardship during which I communicated with the creditor for assistance, but was ignored. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires accurate, complete, and updated furnishing. 
Story : I requested deferrals and hardship relief, but the creditor never applied them. Instead, they reported my account as late without proper context. These lates now suggest Im irresponsible, while in truth I was facing health and job crisis. This has caused major housing application rejections and loss of financial trust from lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : My payments were made through autopay. Still, the account is marked late, indicating internal processing error. 
Law : FCRA 1681e ( b ) demands accuracy ; failure to remove this entry violates FCRA 1681i ( a ).

Story : I was shocked to find this late mark despite my account being in autopay. This single XXXX late mark dropped my score significantly and made me ineligible for a small business loan. I tried resolving with XXXX XXXX, but they gave no explanation. I demand this entry be deleted unless proven with timestamped records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account was charged off without any valid collection effort or notice. 
Law : FDCPA 807 prohibits deceptive collection tactics, FCRA 1681b governs permissible purpose.

Story : This was a small purchase that I was disputing. I never received any call, email, or letter notifying me of delinquency. Suddenly, it appeared on my report as charged off. This act feels retaliatory and deceptive. Im being punished unfairly over a disputed balance. 
XXXX XXXX XXXX XXXX XXXX  Charge Off * Issue : Account was charged off without letting me know it went delinquent. No statement or chance to resolve. 
Law : FCRA 1681s-2 ( b ) mandates resolution of disputes and updating info.

Story : This item affected my credit report suddenly. I never received documentation or a chance to set up payment. XXXX did not follow fair debt practices. This unfair reporting has kept me from refinancing my student loan. 
XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Charged off while under review. I disputed the charge before it was finalized. 
Law : FCRA 1681c mandates data accuracy, and FCRA 1681g gives me rights to know what is being reported. 
Story : I opened a small account for an online purchase. I returned the product, but XXXX refused refund and charged off the balance. Ive tried contacting them, and they have never responded. This entry ruined my relationship with future XXXX lenders. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Late Payment * * Issue : I was under a hardship plan which was supposed to pause or delay payments, yet XXXX reported it as late. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits knowingly reporting false info. 
Story : I was granted payment deferment but still got penalized. When I contacted XXXX, they blamed automated reporting and didnt fix it. This shows a complete lack of accountability and harmed my credit score during recovery phase from hardship. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Unapproved inquiry submitted through dealership. 
Law : FCRA 604 Story : This was done without direct application. Dealership submitted to multiple banks without my knowledge, affecting my score with multiple hard pulls. 
XXXX XXXX ( XX/XX/XXXX ) Issue : Unauthorized inquiry, no credit request. 
Law : FCRA 604 ( b ) ( 2 ) Story : This company pulled my credit without a signed application. This violates my privacy and damages my credit profile unfairly. 
XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : I have no history with this dealership. 
Law : FCRA 604 Story : Another unauthorized pull likely done via auto dealership shotgun process. This inquiry was done behind my back and I demand its removal. 
XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : Inquiry not initiated or consented by me. 
Law : FCRA 604 Story : I did not apply for a XXXX XXXX XXXX Yet this inquiry appears and lowered my score. I request full investigation or deletion. 
XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : No known relation, no application submitted. 
Law : FCRA 604 Story : Ive never interacted with XXXX XXXX  company. This is either an error or fraud. It negatively affects my report and confidence in the system. 
XXXX XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : Duplicate entry. Previously mentioned. 
Law : FCRA 604 Story : Multiple inquiries from the same dealer in same day clear shotgun approach. Unethical and unauthorized. 
XXXX XXXX XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : I never applied for a XXXX XXXX XXXX. 
Law : FCRA 604 Story : This credit pull was not approved. This is hurting my score unnecessarily and misleading future lenders. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : No consent or application submitted. 
Law : FCRA 604 Story : Unauthorized inquiry related to auto application I never completed. This is identity misuse and I request investigation. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : Duplicate unauthorized pull. 
Law : FCRA 604 Story : This was a second inquiry from XXXX XXXX group. I never signed anything permitting this. Its unjustified and hurting my credit. 
GLOBAL LENDING SERVICE Inquiry ( XX/XX/XXXX ) Issue : I never applied or authorized this. 
Law : FCRA 604 Story : This entry was added without my knowledge. My personal data was likely misused by a dealer or third party. Please remove. 
XXXX XXXX Inquiry ( XX/XX/XXXX ) Issue : Unauthorized inquiry. 
Law : FCRA 604 Story : I did not engage in any transaction with XXXX or XXXX. I demand this be removed or fully investigated. 
OVERALL IMPACT : These combined errors inaccurate addresses, unauthorized hard inquiries, and wrongly reported negative accounts have devastated my financial life. Ive been denied apartment leases, personal loans, and even employment opportunities due to these issues. My credit score has dropped significantly. I have spent countless hours disputing, calling, and writing, but the credit reporting agencies and furnishers have failed to correct these errors, violating my rights under the FCRA and FDCPA. 
RESOLUTION REQUESTED : Immediate deletion of all wrong addresses listed above Deletion or proper verification of all unauthorized inquiries Deletion or full validation of all accounts mentioned ( with signed contracts and billing history ) Compensation for damages suffered ( if applicable ) Please consider this my formal CFPB complaint against the relevant credit reporting agencies and furnishers. I expect a full investigation and resolution. 
OVERALL IMPACT : These combined errors inaccurate addresses, unauthorized hard inquiries, and wrongly reported negative accounts have devastated my financial life. Ive been denied apartment leases, personal loans, and even employment opportunities due to these issues. My credit score has dropped significantly. I have spent countless hours disputing, calling, and writing, but the credit reporting agencies and furnishers have failed to correct these errors, violating my rights under the FCRA and FDCPA. 
RESOLUTION REQUESTED : Immediate deletion of all wrong addresses listed above Deletion or proper verification of all unauthorized inquiries Deletion or full validation of all accounts mentioned ( with signed contracts and billing history ) Compensation for damages suffered ( if applicable ) Please consider this my formal CFPB complaint against the relevant credit reporting agencies and furnishers. I expect a full investigation and resolution.

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