Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is being filed against Experian due to multiple violations of the Fair Credit Reporting Act ( FCRA ) involving unverified, inaccurate, and fraudulent data. I previously disputed a series of late payments, fraudulent accounts, and inquiries made without my permission. Despite those disputes, Experian failed to provide sufficient verification or remove the entries from my credit report. 

Disputed Accounts Issues and Requested Actions XXXX XXXX Issue : Payment history reflects delinquencies that I did not incur. 

Requested Action : Remove the inaccurate late payments but retain the account in good standing. 

XXXX XXXX Issue : Payment records appear to be incorrectly reported ; I never missed a payment. 

Requested Action : Correct the payment history by eliminating the late payments and keep the account open. 

XXXX XXXX XXXX Issue : Opened without my knowledge ; part of an identity theft case already documented. 

Requested Action : Remove the account entirely from my report. 

XXXX XXXX Issue : Opened without my knowledge ; part of an identity theft case already documented. 

Requested Action : Remove the account entirely from my report. 

XXXX XXXXXXXX XXXX  XXXX XXXX Issue : Account shows delinquency during a period when the account was not active. 

Requested Action : Update the report to remove all derogatory payment history while leaving the account open. 

XXXX XXXX XXXX Issue : Opened without my knowledge ; part of an identity theft case already documented. 

Requested Action : Remove the account entirely from my report. 

XXXX XXXXXXXX XXXX Issue : This account is fraudulent and a result of identity theft. 

Requested Action : Permanently delete the account from my file. 

XXXX XXXX XXXX Issue : Opened without my knowledge ; part of an identity theft case already documented. 

Requested Action : Remove the account entirely from my report. 

XXXX XXXXXXXX XXXX Issue : I never authorized or opened this account. 

Requested Action : Delete this unauthorized and fraudulent account. 

XXXX XXXX XXXX Issue : Payment history shows delinquencies that I formally disputed and were never corrected. 

Requested Action : Remove all inaccurately reported late payments and preserve the account status. 

XXXX XXXX Issue : Opened without my knowledge ; part of an identity theft case already documented. 

Requested Action : Remove the account entirely from my report. 

XXXX XXXX XXXX Issue : Late payments listed on the credit file are not backed by any billing history or documentation. 

Requested Action : Eliminate all late payment entries and confirm the account remains active and positive. 

Disputed Unauthorized Inquiries Issues and Requested Actions XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : No prior consent was given for this inquiry. 

Requested Action : Delete the inquiry from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry conducted without permissible purpose or my authorization. 

Requested Action : Remove this unauthorized access from my report. 

XXXX XX/XX/XXXX Issue : I did not apply for credit with this company. 

Requested Action : Delete this inquiry as it violates FCRA 604. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry not initiated by me. 

Requested Action : Remove immediately and ensure no future recurrence. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Issue : No application or credit event initiated by me on this date. 

Requested Action : Remove the inquiry and confirm all other access is legitimate. 

XXXX XXXX XX/XX/XXXX Issue : I never provided written or verbal authorization for this inquiry. 

Requested Action : Delete and flag this inquiry as unauthorized. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry appears without any associated application or account. 

Requested Action : Remove the record from my credit report. 

XXXX XXXX XX/XX/XXXX Issue : Duplicate inquiry made without my knowledge. 

Requested Action : Remove both entries dated XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry made under false pretenseno transaction was initiated. 

Requested Action : Delete immediately. 

XXXX XXXX XX/XX/XXXX Issue : No application was submitted to this company. 

Requested Action : Remove the unauthorized inquiry. 

XXXX XXXX XX/XX/XXXX Issue : Unrecognized inquiry with no supporting documentation. 

Requested Action : Remove from the file and confirm deletion in writing.

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