Consumer complaint received 2025-10-07 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 ) regarding multiple inaccuracies on my credit report that have caused significant harm to my credit profile, financial opportunities, and personal wellbeing. I demand a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, as these inaccuracies represent violations of my rights to accurate credit reporting and dispute resolution. I expect CFPB oversight to ensure that all errors are corrected and that responsible reporting practices are enforced. 

Account : XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Chargeoff Story : This account is inaccurately reporting a chargeoff. I never received proper notice or validation of the alleged debt as required under FCRA Section 609 and FDCPA Section 809, which ensures I have the right to dispute and verify any collection attempt. Despite my previous disputes, the account remains listed as charged off without documentation of the debt 's validity. Maintaining this inaccurate chargeoff is materially harmful, misrepresenting my creditworthiness and causing potential denial of credit. The account has not been substantiated with accurate statements or billing records. This inaccurate entry violates my rights under FCRA 611 ( a ) ( 1 ) for proper reinvestigation. Reporting false information repeatedly is a willful failure of reasonable procedures. I demand deletion if unverifiable and notification of removal to all creditors who received the erroneous report. It negatively impacts credit scoring models, loan approval likelihood, and overall financial stability. I require the bureau to conduct a full investigation with XXXX to validate the debt and provide written proof of accuracy. Failure to remove or correct this account violates federal law and my right to accurate reporting. This entry must be corrected immediately. The continued reporting of this unverified chargeoff is unlawful and materially misleading. I expect confirmation of its deletion or proper verification within the legally required timeframe. 

Account : XXXX  XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Late Payment Story : The late payment reported on this account is inaccurate. Under FCRA Section 623 ( a ) ( 2 ), furnishers must report accurate account status, and under FCRA 611, I have the right to dispute and receive verification. I never missed any payment as alleged, and documentation provided by XXXX XXXX fails to substantiate this late payment. Reporting false late payments constitutes a willful violation of the FCRA. The account negatively affects my XXXXredit score and misrepresents my payment history. Inaccurate reporting interferes with my ability to secure loans or favorable interest rates. I request a full reinvestigation including all account records, payment history, and communications. The bureau is legally required to verify this information with the creditor. Any failure to correct this will be treated as negligence under federal law. I demand removal of the late payment if unverifiable. Continuing to report this false information violates my rights and causes financial and reputational harm. I also request confirmation of correction or deletion. The account inaccurately impacts creditworthiness, lending decisions, and employment opportunities. Reporting inaccurate late payments is materially misleading. I expect compliance with FCRA 611 standards. Immediate action is required. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Story : XXXX XXXX XXXX accessed my report without my authorization, violating FCRA 604 ( a ) ( 3 ). The inquiry is unauthorized, materially harmful, and must be removed. Maintaining this inquiry misrepresents my credit activity and negatively impacts my credit score. Verification of permissible purpose can not be provided. The bureau must remove this inquiry immediately. Continued reporting is a violation of federal law. Unauthorized inquiries affect lending decisions and financial opportunities. I demand immediate deletion and confirmation. Reinvestigation is required under FCRA 611. The inquiry is inaccurate and materially misleading. Removal is legally required. Written confirmation of deletion is expected. Continued presence is unlawful. Immediate action is mandatory. 

Inquiry : XXXX XXXX XXXX XXXX  XX/XX/XXXX Story : The inquiry by XXXX XXXX XXXX XXXX was unauthorized and constitutes a violation under FCRA 604. I never consented to this inquiry. Continued reporting misrepresents my credit activity. The bureau must investigate and delete this inquiry immediately. Unauthorized inquiries materially harm creditworthiness. Verification of authorization is required, and none exists. Maintaining this inquiry violates FCRA 611. I demand deletion and written confirmation. The presence of this inquiry negatively impacts lending decisions and scoring models. Continued reporting is unlawful. Immediate correction is legally mandated. The bureau must comply fully. Removal must be confirmed in writing. The inquiry is inaccurate and materially misleading. Immediate deletion is required. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Story : XXXX XXXX XXXX accessed my credit report without authorization, violating FCRA 604. The inquiry is materially harmful and unauthorized. I demand immediate removal and written confirmation. Verification of permissible purpose can not be provided. Continued reporting constitutes a violation of federal law. Unauthorized inquiries affect creditworthiness, loan approvals, and interest rates. The bureau must reinvestigate and delete this entry. Reporting this inquiry repeatedly is a failure to maintain reasonable procedures under FCRA 607. Removal and confirmation are required. Continued presence is unlawful. Immediate correction is necessary. Written confirmation of deletion must be provided. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Story : This inquiry was made without my consent. XXXX XXXX XXXX has no permissible purpose, violating FCRA 604 ( a ). Its continued reporting misrepresents my credit activity. I demand immediate removal and written confirmation. Unauthorized inquiries are materially harmful and illegal. Verification of authorization must be provided ; none exists. Maintaining this inquiry violates FCRA 611. Removal must be completed immediately. Continued reporting negatively affects creditworthiness. Written confirmation of deletion is expected. Immediate action is legally required. Unauthorized reporting is materially misleading. The bureau must reinvestigate fully. Removal must be confirmed in writing. Immediate correction is required. 

Inquiry : XXXX XXXX XX/XX/XXXX Story : This inquiry is unauthorized, violating FCRA 604 ( a ) ( 3 ). I have not provided consent, and continued reporting misrepresents my credit activity. Immediate removal is required. Verification of authorization can not be provided. Unauthorized inquiries materially harm credit scores, lending decisions, and financial reputation. Maintaining this inquiry violates federal law and FCRA 611. I demand deletion and written confirmation. The bureau must reinvestigate fully. Continued reporting is unlawful. Removal must be confirmed in writing. Immediate action is required. Unauthorized reporting is materially misleading. Written proof of deletion is expected. 

I formally request CFPB intervention to enforce compliance with FCRA and ensure all inaccurate late payments and unauthorized inquiries are corrected immediately. I am entitled to accurate credit reporting, and the continued presence of these errors constitutes a violation of federal law and harms my financial well-being. I expect CFPB oversight to guarantee that all errors are removed, responsible parties are held accountable, and my consumer rights are fully protected.

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