Consumer complaint received 2025-08-12 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 to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ACCOUNTS XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Duty to assure maximum accuracy and reinvestigate disputed information Issue : Reported as a charge-off despite being inaccurate and unverifiable Story : This account is being reported as charged-off when I have no record of default or valid documentation supporting this status. I have requested verification in the previous dispute, but no original contract, payment history, or charge-off notice has been provided. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Duplicate and inaccurate charge-off reporting Story : This appears to be a duplicate entry of another disputed XXXX XXXX  account, causing harm by double reporting. No proof of separate accounts exists. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Late payment marked on an account that shows XXXX balance Story : An account showing no balance should not be marked with a late payment unless there is documented proof, which has not been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Charge-off on a XXXX balance account Story : This reporting is logically inconsistent and unsupported by any provided records. 

INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : No application, consent, or written authorization exists for this pull. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without permissible purpose Story : No credit application was made with this entity. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized hard pull Story : I did not initiate any credit transaction with XXXX XXXX XXXX on this date. 
XXXX XXXX XXXX XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without my consent Story : No permissible purpose exists for this inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : I did not request or authorize credit with XXXX XXXX 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Hard inquiry without authorization Story : No proof of permissible purpose has been provided. 

XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : I have not done business with this company. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without permissible purpose Story : No application or authorization provided. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : No credit request was made. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without my consent Story : I did not apply for credit with this entity. 

XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Hard inquiry without authorization Story : No proof of a valid credit request exists. 

XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : Duplicate and unverified pull without consent. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without permissible purpose Story : I have no record of requesting credit from XXXX. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX04 ( a ) ( 3 ) Issue : Unauthorized inquiry Story : No permissible purpose or application provided. 

XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( XXXX ) Issue : Inquiry without my consent Story : No signed authorization exists. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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