Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : Reporting a late payment on a {$0.00} balance is misleading and violates FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) which mandates furnishers to report accurate and current information Story : This account shows a {$0.00} balance indicating it is closed or paid yet it reflects late payments which is inaccurate and damages my credit standing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$72.00} Chargeoff Law/Issue : This account was never charged off with appropriate verification violating FCRA 15 USC 1681i ( a ) which requires reinvestigation of disputed items Story : This charge-off status is incorrect and I have never received any notice confirming this alleged default or providing a chance to cure the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : Inaccurate reporting of late payments on paid/closed accounts violates FCRA 15 USC 1681e ( b ) and is misleading Story : The account reflects a {$0.00} balance yet is reported with late payments which misrepresents my credit behavior and must be corrected XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment * * Law/Issue : Reporting late payments without providing full account history or verification violates FCRA 15 USC 1681i Story : I am not aware of any past due payments on this account and was never notified of delinquencies please verify this information and remove if unsubstantiated XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : Reporting late payment after account was settled violates FCRA 15 USC 1681s-2 ( b ) Story : This account has a XXXX balance and no current delinquency thus reporting late payment is damaging and must be corrected XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Chargeoff * * Law/Issue : The charge-off status lacks validation and violates FCRA 1681i and 1681s-2 ( a ) ( 1 ) ( A ) Story : I have never received any notice of default nor been allowed the opportunity to cure the account this charge-off appears inaccurate and unjustified XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : This inquiry is unauthorized and violates FCRA 15 USC 1681b ( c ) which restricts hard inquiries without permissible purpose Story : I never applied for any credit or loan authorizing this inquiry and it has negatively affected my credit score XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : This hard inquiry was made without my authorization violating FCRA 1681b Story : I did not initiate any credit transaction with this entity and demand its immediate removal XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : This entry violates FCRA 1681b as there is no permissible purpose for the inquiry Story : I never granted permission to this company to access my credit report this is an unauthorized pull XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : This hard inquiry is a violation of FCRA XXXX because I never applied for financing with this company Story : This is an unapproved access of my credit report that has adversely affected my score XXXX XXXX  XX/XX/XXXX Inquiries Law/Issue : This inquiry was made without my permission and violates FCRA 1681b Story : I do not have any relationship with XXXX XXXX and did not initiate a credit request XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : FCRA 1681b prohibits credit pulls without consumer consent this inquiry is unlawful Story : I never initiated contact with this entity and never authorized any credit check XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : This inquiry lacks consumer consent and therefore violates FCRA 1681b Story : No loan or credit application was submitted to this company yet they accessed my report XXXX XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : FCRA 1681b requires permissible purpose for inquiries which this lacks Story : This credit pull was unauthorized and is damaging my credit unnecessarily XXXX XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : This entity did not have permissible purpose under FCRA 1681b to access my file Story : I have not applied for any product or service with XXXX and they pulled my credit without authorization XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : Unauthorized access of consumer report violates FCRA 1681b Story : This inquiry was not approved by me and therefore should be removed immediately XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : No permissible purpose per FCRA 1681b exists for this inquiry Story : I did not give consent or apply for financing with this dealership XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : Violation of FCRA 1681b due to lack of consumer authorization Story : I never interacted with this business nor requested a credit check XXXX XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : This was an unauthorized inquiry and violates FCRA 1681b Story : I had no transaction or application with this company and request immediate removal XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiries Law/Issue : Unlawful hard inquiry made in breach of FCRA 1681b Story : No credit application was submitted and I did not consent XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : No permissible purpose under FCRA XXXX for this inquiry Story : This company has no connection to me and accessed my report without authorization XXXX XXXX XX/XX/XXXX Inquiries Law/Issue : This is an unauthorized inquiry violating FCRA 1681b Story : I did not apply for any service from XXXX and never gave permission Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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