Consumer complaint received 2025-08-15 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 formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law : FCRA Section XXXX ( A ), Section XXXX ( B ), and Section XXXX require accurate, verifiable, and complete reporting. The furnisher must provide documented proof of alleged late payments. 
Issue : The reported late payments are inaccurate and unverified, negatively affecting my credit score without proper evidence. 
Story : I have reviewed my records and found no legitimate basis for the reported late payments. The creditor has failed to provide any signed contract, payment history, or original records proving the accuracy of the derogatory marks. Without proper documentation, this accounts late payment status must be removed immediately as it is damaging my credit profile. 

INQUIRY XXXX XXXX, XXXX XXXX XX/XX/XXXX Law : FCRA Section XXXX ( a ) ( XXXX ) states that inquiries require permissible purpose and consumer consent. 
Issue : No authorization was given for this inquiry, making it unauthorized under federal law. 
Story : I have no application, transaction, or relationship with XXXX XXXX, XXXX XXXX at the time of this inquiry. No signed authorization was provided by me to allow this access to my credit file, making it an impermissible pull. This inquiry must be removed immediately. 

INQUIRY XXXX XXXX, XXXX XXXX XX/XX/XXXX Law : FCRA Section XXXX ( a ) ( XXXX ) inquiries must have permissible purpose with consent from the consumer. 
Issue : This credit inquiry was conducted without my knowledge or permission. 
Story : I have no record of initiating any credit application with XXXX XXXX, XXXX XXXX on this date. Without my explicit authorization, this is an impermissible and harmful inquiry that violates my consumer rights under the FCRA. 

INQUIRY XXXX XX/XX/XXXX Law : FCRA Section XXXX ( a ) ( XXXX ) requires that all credit inquiries have permissible purpose and documented consumer consent. 
Issue : I did not authorize this inquiry nor initiate any transaction with XXXX at that time. 
Story : I have no prior dealings or applications with XXXX on or near this date. This credit file access was unauthorized and without my consent, constituting a violation of my rights under federal law. This inquiry must be deleted immediately. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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