Consumer complaint received 2025-10-03 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because my credit report is showing multiple inaccurate accounts that are damaging my financial well-being and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have disputed these items but the credit bureaus and furnishers have failed to provide proper validation or conduct a lawful reinvestigation. I am seeking the assistance of the CFPB to ensure compliance with federal law, protect my rights, and remove these unverifiable and inaccurate accounts from my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$220.00} Late Payment This account is reporting late payments, but the reporting is inaccurate, incomplete, and unverifiable as required by law. Under FCRA 607 ( b ), credit bureaus must assure maximum possible accuracy, and by showing me as delinquent without proof, that standard has been violated. There has been no documented evidence provided that any payment was late, nor has any written billing statement or contractual record been shown to justify this negative reporting. Without original payment history or account statements, the information remains unverifiable under FCRA 611. Furthermore, the furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ) by continuing to report inaccurate information despite having notice of dispute. The presence of a late payment entry when no such proof exists is misleading and damaging, constituting deceptive collection activity under FDCPA 807 and unfair practice under FDCPA 808. By refusing to delete inaccurate data after my previous disputes, the bureau has failed to act in good faith and has demonstrated negligence in its legal duties. This repeated negligence has created serious consequences for me, including difficulty in securing credit, financial embarrassment, and emotional distress. For these reasons, and under the authority of federal law, I demand the immediate removal of this account from my credit report. 

XXXX XXXX XXXX XX/XX/year> Inquiry This inquiry was placed without my knowledge, consent, or any permissible purpose, in direct violation of FCRA 604. There is no application, no loan request, and no evidence that I initiated contact that would justify this inquiry. Such an action is a breach of my privacy rights and demonstrates a failure of the bureaus responsibility under FCRA 607 ( a ) to prevent unauthorized access. The presence of this inquiry is misleading, as it suggests that I actively sought credit when I did not, thereby damaging my reputation and lowering my score. Retaining this item after prior disputes is clear evidence of noncompliance with FCRA 611, as no proof has been provided. This unauthorized access is reckless and unlawful, and under FCRA 616 and 617, both the bureau and the reporting party are liable for damages. Unlawful inquiries are considered a deceptive practice under FDCPA standards as well. I demand the immediate removal of this unauthorized inquiry, as it has caused financial harm, reputational damage, and violates my federal consumer rights. 

XXXX XXXX XXXXXX/XX/year> Inquiry This inquiry is unauthorized, unlawful, and without any evidence of my consent or application. Under FCRA 604, no one may access a consumer credit file without a permissible purpose, yet this inquiry was placed without justification. No record of any transaction or request exists to support this reporting, making it inaccurate and unverifiable. Such an inquiry gives the false impression that I was seeking financing when no such action occurred. By allowing this to remain on my credit file, the bureau is failing its duty under FCRA 607 ( a ) to ensure only authorized access is permitted. The reporting furnisher has also violated FCRA 623 by failing to furnish accurate data. Continued reporting after my disputes is willful noncompliance under FCRA 616. This inquiry has caused direct harm to my credit rating, reputation, and financial stability. Therefore, I demand that this inquiry be immediately removed, as it can not be verified under federal law and should not remain on my record. 

XXXX XXXX XXXX XX/XX/year> Inquiry This inquiry appears on my credit file without my authorization and without any record of a permissible purpose, violating FCRA 604. No signed application, consent, or documented business transaction exists to justify this inquiry. Such reporting creates a misleading record of credit-seeking activity that negatively impacts my score and misrepresents my financial behavior. The bureau has failed in its responsibility under FCRA 607 ( a ) to prevent unauthorized access to my file. After my previous disputes, no validation has been provided, proving the inquiry can not be verified. Retaining this inquiry is willful noncompliance under FCRA 616 and negligent noncompliance under 617. Unauthorized inquiries are unlawful, deceptive, and damaging. The continued presence of this inquiry not only lowers my score but also exposes me to unnecessary risks. I demand its permanent deletion to restore accuracy and compliance with federal law. 

XXXX XXXX XXXX XX/XX/year> Inquiry This inquiry was unlawfully placed on my report without my consent or any legal basis. Under FCRA 604, a permissible purpose must exist before accessing a consumers file, yet no such basis exists here. I did not apply for credit or authorize this pull, making it unauthorized and unlawful. The inquiry is misleading because it implies I sought credit when I did not, damaging my score and reputation. FCRA 607 ( a ) requires the bureau to safeguard my file from unauthorized access, which has not occurred. Retaining this inquiry after disputes without providing validation violates FCRA 611 and 623. Such unauthorized use of my personal data is a breach of privacy and a deceptive practice. This inquiry must be deleted immediately to comply with federal law and to protect my consumer rights. 

XXXX XXXX XXXXXX/XX/year> Inquiry This inquiry was made without authorization, without my consent, and without any permissible purpose as defined by FCRA 604. I never applied for credit or initiated any transaction that would justify this inquiry. Its presence is unlawful, misleading, and harmful, as it lowers my score and falsely portrays me as seeking new credit. The bureau has failed to prevent unauthorized access in violation of FCRA 607 ( a ). The furnisher has violated FCRA 623 by providing unverified data, and their failure to validate after my disputes constitutes willful noncompliance under 616. Unauthorized inquiries represent a misuse of consumer data and a direct violation of my rights. This inquiry must be permanently deleted to restore accuracy and comply with the law.

I respectfully request the Consumer Financial Protection Bureau to investigate these accounts and require the credit bureaus and furnishers to provide full validation. If they can not produce lawful documentation proving ownership and accuracy, these accounts must be permanently deleted from my credit report. The ongoing reporting of unverifiable and inaccurate information is a serious violation of my consumer rights under FCRA and FDCPA, and I am seeking the CFPBs enforcement to ensure compliance, accuracy, and fairness in my credit file.

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