Consumer complaint received 2025-10-22 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by several furnishers and credit bureaus who continue to report inaccurate, unverifiable, and unauthorized information on my credit profile despite previous disputes. These actions have caused significant damage to my creditworthiness, emotional distress, and financial stability. I respectfully request your immediate investigation into these violations and appropriate enforcement of federal law to ensure these entities are held accountable and all inaccurate data is permanently removed from my credit report. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$340.00} Status : Late Payment This account is being reported with a late payment even though there is no verifiable proof that I missed any payment or that such delinquency was validly reported by the furnisher. This reporting violates FCRA 602 ( A ), which protects against unfair and inaccurate reporting, and 607 ( B ), which demands maximum possible accuracy. The continued appearance of this unverifiable late payment after several disputes reflects the bureaus failure to properly reinvestigate under 611 ( A ). No documentation, signed contract, or billing record has ever been provided to prove the alleged lateness. You are required by law to delete this unverifiable entry immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me and was made without any permissible purpose as defined under FCRA 604 ( A ). I did not apply for or initiate any credit transaction with this company. Continuing to report this item violates 607 ( A ), which obligates you to ensure all inquiries are legitimate and verifiable. 

XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was unauthorized and made without my consent. Under FCRA 604, a credit report can only be accessed for permissible purposes, such as an initiated credit application. I did not request or approve any such inquiry, and therefore this item must be removed. 

XXXX XXXX Inquiry Date : XX/XX/XXXX This company did not have any permissible purpose to pull my report. The inquiry violates FCRA 604 ( A ) ( 2 ) and affects my credit standing. You are required to delete this item as unverifiable and unauthorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was not authorized and represents a clear violation of FCRA 604 ( A ). There is no record of any consent or application between me and this company. Continued reporting without verification breaches 607 ( B ). 

XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my consent or any valid credit application. Under FCRA 604 ( A ), this constitutes a privacy violation. You must delete this immediately for noncompliance with federal law. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This company did not have authorization to access my credit file. This is a direct violation of FCRA 604 ( A ) and 611 ( A ) for failure to verify the legitimacy of this inquiry. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is not associated with any transaction or application I initiated. Reporting such unauthorized access violates FCRA 604 ( A ) ( 3 ) and 607 ( B ) for failure to ensure maximum accuracy. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unauthorized, and I never gave any consent for this entity to access my credit. Continued reporting constitutes noncompliance with FCRA 607 ( B ) and a failure of reasonable investigation under 611 ( A ). 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was never approved or initiated by me. The bureau is required to ensure that all inquiries listed are accurate and verifiable under FCRA 607 ( B ). Since this can not be proven, it must be removed. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without authorization or any application from me. The inclusion of this entry violates FCRA 604 ( A ), which defines the limits of permissible purpose. 

Each of these violations represents clear noncompliance with federal consumer protection laws. I have made multiple good-faith efforts to resolve these matters directly, yet the furnishers and credit bureaus have neglected their obligations under FCRA and FDCPA. These inaccuracies have caused me substantial financial damage and undue stress. Therefore, I am requesting the CFPBs assistance to compel the responsible entities to comply with all applicable laws, verify each item properly, and delete all unverified or unauthorized information from my credit report.

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