Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from Experian, Equifax, and TransUnion. Upon reviewing the report, I noticed several late payments that are incorrect, fraudulent activity, accounts that are open that should have been closed and removed. I check my credit report today and opps loans is still on my credit report and has drop my credit score down by XXXX points. I have reported multiple times this is fraudulent information on my report. I never took a loan out with this company and I did not authorize this. This fraudulent information on my credit report needs to be remove. This is impacting me to making any purchases in the future. XXXX. XXXX XXXX  - This account is closed, and the loan was paid off. It also shows as negative item on my credit report and I was never late on payment. This needs to be removed from my credit report. XXXX, Department of EducationXXXX - My loans were included in my chapter XXXX bankruptcy and should be removed from my account. I was never late on my payments, XXXX. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. I want to emphasize that I have never been late on any of these accounts. Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not provide you with written instructions to report this information on my credit report. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : XXXX. Defamation of Character XXXX. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

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