Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : 1. XXXX XXXX XXXX Account Number : XXXX High Balance : {$0.00} Open Date : XX/XX/XXXX Status : Charge Off Violation of FCRA 1681s-2 ( a ) Furnishers must report accurate information. Reporting a charge-off with a {$0.00} balance is misleading and creates a false impression of delinquency.

Violation of FCRA 1681i ( a ) Failure to properly investigate and delete inaccurate information within 30 days.

Violation of FDCPA 807 ( 8 ) Misrepresenting the character of the debt.

2. XXXX XXXX  XXXX Account Number : XXXX High Balance : {$0.00} Open Date : XX/XX/XXXX Status : Charge Off Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duplicate and misleading reporting of charge-off accounts violates the requirement to furnish accurate data.

Violation of FDCPA 807 ( 2 ) ( A ) Deceptive representation of the legal status of a debt.

Violation of FCRA 1681c ( a ) ( 5 ) Reporting old or obsolete accounts.

Unauthorized Hard Inquiries These inquiries were made without my permission or permissible purpose, and I have no current or past credit relationship with these entities.

3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( f ) Accessing a credit report without a permissible purpose.

4. XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( c ) ( 1 ) ( A ) Must have consumers authorization or legitimate business need to pull credit.

5. XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( f ) Unauthorized inquiry with no consumer consent or application on file.

6. XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( f ) Inquiry made without a valid application or business relationship. This is identity misuse or access abuse.

7. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( a ) ( 3 ) No existing relationship to justify inquiry. No credit was applied for.

8. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( Duplicate Inquiry see # 3 ) Violation of FCRA 1681b ( f ) Redundant and unauthorized access is a further violation of consumer privacy.

9. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violation of FCRA 1681b ( f ) Inquiry was done without any permissible purpose or authorization.

Summary of Legal Relief Sought I am requesting the CFPB to investigate and instruct the credit bureaus and furnishers to : Permanently delete the two XXXX XXXX  XXXX charge-off accounts due to inaccuracy, duplication, and misleading reporting. 
Delete all unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX . 
Take corrective action for the violation of FCRA and FDCPA provisions. 
Provide documentation or proof of permissible purpose and authorization for each inquiry listed. 
Failure to comply with these federal statutes should result in enforcement action, penalties, and damages under the law.

Request for Action : Conduct a thorough investigation of all the above disputed accounts and inquiries.

Remove or correct all inaccurate, outdated, or unverifiable information in compliance with FCRA 611.

Provide me with updated credit reports reflecting corrections.

Cease any further reporting of inaccurate data.

Confirm in writing your resolution of this complaint within the legally mandated timeframe.

Failure to comply with federal laws protecting consumers credit information not only harms my financial wellbeing but also constitutes a violation subject to regulatory enforcement.

Please treat this matter with urgency.

Thank you for your prompt attention to these serious concerns.

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