Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint against [ Credit Bureau XXXX : Experian, XXXX, XXXX ] for inaccurately reporting items on my credit report and refusing to remove these inaccuracies despite my efforts to dispute them. This non-compliance is in direct violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to an accurately reporting credit report. Complaint Details 1. Inaccurate Reporting : The following items are inaccurately reported on my credit report : [ Item 1 : Description of Inaccuracy ] [ Item 2 : Description of Inaccuracy ] [ Item 3 : Description of Inaccuracy ] These inaccuracies have negatively impacted my credit score and financial standing. XXXX. Dispute Submission : On XX/XX/XXXX, I submitted a formal dispute to XXXX, Experian and XXXX regarding these inaccuracies. Despite following the proper channels and providing all necessary documentation, the credit bureaus have refused to correct these errors. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. XXXX XXXX XXXX ( b ) Violation Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. XXXX5 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports  XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. Thank you for your attention to this urgent issue. I look forward to your assistance in resolving this matter promptly.

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