Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I would like to file a formal complaint regarding inaccuracies I discovered on my Experian credit report as of XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Unfortunately, several items currently appearing on my report do not meet this standard of accuracy and fairness. 

I have already contacted each individual creditor and data furnisher in an effort to resolve these issues, but I have received no response or action from their end. Therefore, I am now seeking assistance from the CFPB to compel these corrections. 



1. Closed XXXX XXXX Account Inaccurate Late Payment Account Name : XXXX XXXX  Account Type : Credit Card Account Status : Paid, Closed Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Date ( Reported ) : XX/XX/XXXX Highest Balance : {$630.00} Reported Late Payment : 30 days late in XX/XX/XXXX Dispute Details : I have previously attempted to dispute this with XXXX XXXX and have not received any response. The report shows a late payment dated XX/XX/XXXX, but the account was fully paid off by that time. This reporting is factually incorrect and must be removed as it falsely suggests delinquency on an account that was already settled.

2. Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Status : Collection Balance : {$1600.00} ( as of XX/XX/XXXX ) Date Opened ( Reported ) : XX/XX/XXXX Dispute Details : While the balance reported is correct, the Date Opened is not accurate and does not align with any records I have. This discrepancy could potentially lead to further inaccuracies, especially in how the age and impact of the debt are calculated. I also have no knowledge of this account and did not receive any notice prior to this being placed in collections. This account should be removed due to unverifiable and incorrect reporting details. 



3. Hard Inquiries Unauthorized and Not Consented The following inquiries were not authorized, and I did not submit applications for credit on these dates. Under FCRA 1681b ( c ), a hard inquiry may only occur with the consumers explicit permission. I have reached out to these creditors and have received no response or action : a. XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX : Active Inquiry Reason for Removal : No credit application was submitted or authorized by me on this date. 

b. XXXX XXXX Date : XX/XX/XXXX Status : Active Inquiry Reason for Removal : No consent was given for this inquiry. It was made without my knowledge. 

XXXX XXXX XXXX Date : XX/XX/XXXX Status : Active Inquiry Reason for Removal : No application was submitted. I did not authorize this pull. 

Request for Relief Under the FCRA and CFPBs regulatory authority, I am formally requesting the following : 1.Immediate investigation and removal of the inaccurately reported late payment from XXXX XXXX  
2.Deletion or correction of the collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to an incorrect Date Opened and lack of verification. 
3.Removal of the unauthorized hard inquiries listed above.

4.Verification that all accounts report correct and complete information, including accurate last payment dates, account statuses, and balances.

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