Consumer complaint received 2025-10-02 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 CFPB regarding multiple inaccurate and unauthorized items reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused significant harm to my creditworthiness and financial standing. CFPB review is requested to ensure full reinvestigation and correction of all items below. 

Account XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$18000.00}, Chargeoff This account is inaccurately reported as a charge-off. Prior disputes have been ignored, violating FCRA Sections 607 ( b ) and 611. I never received verification of the debt or proper validation. The balance and status are unverified and misleading. Reporting this item inaccurately harms my credit score and financial reputation. Federal law requires that unverifiable information be removed promptly. There is no evidence confirming that this charge-off is accurate. The continued reporting demonstrates failure to comply with FCRA obligations. This account misrepresents my payment history and misleads potential lenders. I am entitled to full reinvestigation and removal if unverifiable. The account impacts my ability to obtain credit. Prior correspondence has been ignored, which is a violation of Sections 609 and 611. This inaccurate charge-off is detrimental and misleading. Immediate correction or deletion is required. Continued reporting without validation is illegal. My rights under federal law are being ignored. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$820.00}, Chargeoff This account is inaccurately reported and unverifiable. FCRA Sections 609 ( a ) ( 1 ) and 611 require reinvestigation and correction of inaccurate reporting. No documentation proving validity of this debt has been provided. Reporting this item as a charge-off misrepresents my credit history. Prior disputes remain unresolved despite multiple requests. The continued presence of this account harms my creditworthiness and financial reputation. Federal law mandates that unverifiable items be deleted promptly. The balance and account status are inaccurate. There is no legal justification for this reporting. Reporting false information violates FCRA Sections 607 ( b ) and 611. The account creates a misleading picture of my financial activity. I demand full reinvestigation and permanent deletion if unverifiable. The bureau has failed to meet its obligations under federal law. My consumer rights are repeatedly being infringed. Reporting continues without verification. Immediate correction or removal is required. 

Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX I never applied for credit with XXXX XXXX. This inquiry is unauthorized and violates FCRA Section 604 ( a ). Unauthorized inquiries are considered misleading and negatively impact my credit score. I never provided consent or signed any agreement allowing this inquiry. Reporting it continues to misrepresent my credit behavior. The inquiry is unverified and should be removed. Continued reporting is a direct violation of my rights under Sections 609 and 611 of the FCRA. No documentation was ever provided to validate this inquiry. Prior disputes remain unresolved, confirming the reporting is inaccurate. Maintaining this inquiry harms my ability to secure credit elsewhere. It is critical that all inquiries be properly verified under FCRA regulations. Failure to remove unauthorized inquiries constitutes willful negligence. Immediate deletion is required to maintain compliance with federal law. I insist on permanent removal. My rights as a consumer are being infringed upon. The reporting of this inquiry is baseless and unverifiable. This inquiry represents a pattern of negligent reporting that must be corrected. 

XXXX XXXX XX/XX/XXXX This inquiry was never authorized by me. FCRA Section 604 ( a ) ( 3 ) requires explicit consent for credit pulls. Reporting it inaccurately misleads lenders about my credit activity. No application, signature, or verification exists to substantiate this inquiry. It is damaging my credit score and personal financial record. Prior disputes have been ignored or inadequately addressed. The FCRA mandates that unverifiable information be deleted. Continued presence of this inquiry constitutes false reporting under Section 609 ( a ) ( 1 ). This is a repeated violation of my consumer rights. The bureau has an obligation to investigate fully and correct inaccuracies. Reporting it falsely suggests financial irresponsibility. The inquiry is clearly unverified and unauthorized. My credit history is being misrepresented due to this error. The reporting must be corrected immediately. Continued negligence in reporting unauthorized inquiries is unacceptable. I demand this inquiry be permanently removed. 

XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. FCRA Sections 604 ( a ) and 609 ( a ) require proper validation of any credit pull. Reporting it inaccurately harms my credit and violates federal law. No documentation has ever been presented to confirm my consent. Prior disputes have been ignored, demonstrating failure to reinvestigate. Unauthorized inquiries impact lending decisions and falsely reflect credit behavior. The reporting agency has a duty to verify and correct inaccurate items. Presence of this inquiry constitutes misrepresentation under FCRA Sections 607 ( b ) and 611. The inquiry is unverified and continues to damage my creditworthiness. I am demanding permanent removal as required by law. This pattern of reporting unauthorized inquiries shows negligence. There is no legal basis for this inquiry to appear on my credit file. Prior complaints remain unresolved. Federal law obligates bureaus to maintain accurate credit records. This inquiry must be deleted immediately. My consumer rights are repeatedly being violated. 

I demand that the CFPB review each item, enforce accurate verification, and ensure deletion of all unauthorized inquiries and unverifiable charge-offs. These violations of FCRA and FDCPA have caused undue harm to my financial reputation, and I request that CFPB intervene to guarantee compliance, reinvestigation, and removal of all inaccurate, unauthorized, or unverified items.

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