Consumer complaint received 2025-08-09 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 regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$780.00} Chargeoff Law : FCRA 602A, 611, 607 ( B ) Duty to maintain accuracy and conduct reasonable reinvestigation Issue : This account is being reported as a charge-off which is inaccurate, unverifiable, and misleading Story : I have never received valid proof from the creditor verifying the accuracy of this charge-off. The reporting of this account is damaging my creditworthiness and causing harm. In my first dispute, you failed to provide documentation such as original signed agreements, payment history breakdown, or any legal validation that supports this derogatory status. Reporting without proper verification violates the FCRA and must be corrected immediately INQUIRY XXXX XXXX XXXX XX/XX/year> Law : FCRA 604 ( A ) ( 2 ), 604 ( A ) ( 3 ) Permissible purpose requirement for credit inquiries Issue : Unauthorized hard inquiry without any permissible purpose or authorization Story : I did not authorize XXXX  XXXX XXXX  to obtain my credit report. I had no pending application, account opening, or transaction that required a credit check from this entity on this date. This action constitutes a violation of the FCRA, and the inquiry must be removed immediately The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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