Consumer complaint received 2025-11-20 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: NV

Complaint narrative:
I am submitting this complaint because my consumer report is currently reporting multiple inaccurate, unverifiable and unauthorized items which violate the Fair Credit Reporting Act ( FCRA ) and have caused continuous harm, emotional distress, and financial damage. My consumer rights under FCRA Sections 602, 603, 604, 607, 609, 610, 611, and 623 have been violated because the reporting agencies and data furnishers have failed to maintain maximum possible accuracy, failed to provide proper verification, and have continued reporting information that does not belong to me, can not be verified, or was obtained without my authorization. I am requesting immediate investigation, deletion of all inaccurate information, and full compliance with federal law. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6000.00} Late Payment The late payment information you are reporting is inaccurate because I have never made a late payment on this account at any time. Under FCRA 607 ( b ) and 611 ( a ), you can not report derogatory information that can not be verified with complete payment history and original records. Your reporting is causing measurable harm, and you must update this history as on-time only. 

Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have no connection or application with this company. FCRA 607 ( b ) requires accurate reporting, and an unauthorized inquiry can not remain. Delete it immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry No authorization was provided to this entity. FCRA 604 ( a ) ( 2 ) is clear that consumer permission is required. This inquiry must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not grant any inquiry rights to this business. Reporting unverified inquiries violates FCRA 607 ( a ). Remove immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry I never applied or consented to this inquiry. FCRA 604 ( a ) requires documentation of permissible purpose. Delete this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and unverifiable. FCRA 611 ( a ) requires deletion when a furnisher can not prove purpose. Remove immediately. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry I had no dealings with this company. FCRA 604 ( a ) ( 2 ) applies. Delete this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize any credit pull from this dealer. This violates FCRA 607 ( a ). Remove now. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never gave permission for this pull. Without consumer authorization, you can not legally report it per FCRA 604 ( a ). Delete this inquiry. 

XXXX XXXX XX/XX/XXXX Inquiry No authorization, no permissible purpose, no legal right to report. Violates FCRA 604. Delete immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not apply for credit here. FCRA 607 ( b ) mandates accuracy and verification. Delete this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized and must be removed under FCRA 604 ( a ) for lack of permissible purpose. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have no application with this company. Unverified inquiries violate FCRA 607 ( b ). Remove. 

XXXX XXXX XX/XX/XXXX Inquiry No permission was given. FCRA 604 ( a ) ( 2 ) requires deletion. Remove immediately. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. It violates FCRA 604 ( a ). Must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry No permissible purpose exists for this inquiry. FCRA 604 applies. Remove immediately. 

XXXX XXXX XX/XX/XXXX Inquiry I did not apply for credit with this company. Reporting this violates FCRA 607 ( a ). Delete this inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry No authorization was given. FCRA requires removal. Delete immediately. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Violates FCRA 604 ( a ) ( 2 ). Remove. 

XXXX XXXX XX/XX/XXXX Inquiry This second inquiry is also unauthorized. Under FCRA 611 ( a ), you must delete unverifiable information. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry No authorization, no application, no permissible purpose. Remove per FCRA 604 ( a ). 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry has no connection to me and must be removed for failure to verify under FCRA 607 ( b ). 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this pull. Violates FCRA 604. Delete. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not apply for financing here. Remove this unauthorized inquiry under FCRA 604 ( a ). 

XXXX XXXX XX/XX/XXXX Inquiry No permission was given. Reporting this violates FCRA 604 ( a ). Delete immediately. 

XXXX XXXX XX/XX/XXXX Inquiry I have no relationship with this company. FCRA 607 ( b ) mandates removal of unverifiable data. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. This is a clear violation of FCRA 604 ( a ). Delete immediately. 

I am requesting immediate action to delete all inaccurate, unverifiable, and unauthorized accounts, addresses, and inquiries from my consumer report and to ensure full compliance with the Fair Credit Reporting Act. All furnishers and reporting agencies must provide proper verification or remove the disputed information. The continued reporting of this harmful data has caused denial of credit opportunities, emotional distress, financial harm, and a violation of my federally protected consumer rights. I expect prompt resolution 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