Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2024 Balance Owed : {$120.00} Late Payment * * Law Violation : FCRA 1681s-2 ( a ), 1681i Issue : Inaccurate late payment reporting without proper verification Story : I made all payments on time and never received a valid notice of delinquency, yet this entry wrongly marks me as late Instruction : Delete or correct this late payment entry through a proper reinvestigation under FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX/XXXX/2024 Balance Owed : {$530.00} Late Payment * * Law Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i Issue : Late payment is falsely reported and unverified Story : No accurate documentation has been presented to support this late status, which I dispute Instruction : Immediately investigate and remove this erroneous late mark XXXX XX/XX/scrub>/2024 Inquiries Law Violation : FCRA 1681b ( c ) Issue : Unauthorized hard inquiry without consent Story : I did not apply for credit or authorize XXXX  to access my report Instruction : Remove this inquiry from my report and document the reinvestigation XXXX XXXX XXXX  XX/XX/year>2024 Inquiries Law Violation : FCRA 1681b ( f ) Issue : Inquiry was not permitted and violates permissible purpose rules Story : I never applied for credit with this lender Instruction : Delete this inquiry immediately XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 Inquiries Law Violation : FCRA 1681b ( c ) ( 1 ) ( A ) Issue : No permissible purpose existed for this inquiry Story : I had no application or relationship with this institution Instruction : Remove this unauthorized inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 Inquiries Law Violation : FCRA 1681b Issue : Inquiry made without my consent or credit request Story : I never applied for an auto loan with this lender Instruction : Delete this entry and confirm compliance XXXX XXXX XXXX XX/XX/scrub>/2024 Inquiries Law Violation : FCRA 1681b ( c ) ( 1 ) ( B ) ( iii ) Issue : Inquiry was not authorized and is illegal Story : I have no connection with this company Instruction : Remove this unauthorized inquiry immediately XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 Inquiries Law Violation : FCRA 1681b ( c ) ( 1 ) Issue : Hard inquiry lacks authorization and violates the FCRA Story : I never initiated or approved this credit check Instruction : Remove and notify me of your reinvestigation outcome XXXX XXXX XXXX XXXXXX/XX/year>2024 Inquiries Law Violation : FCRA 1681b Issue : No permissible purpose for this inquiry Story : I never applied or interacted with this lender Instruction : Delete the inquiry and document the reinvestigation XXXX XXXX XXXXXX/XX/scrub>/2024 Inquiries Law Violation : FCRA 1681b ( f ) Issue : No consent or application exists for this inquiry Story : I did not authorize this company to access my credit Instruction : Remove the inquiry and notify me in writing XXXX XXXX XXXX XX/XX/scrub>/2024 Inquiries Law Violation : FCRA 1681b ( c ) Issue : Inquiry occurred without authorization or permissible purpose Story : I have no relationship or communication with this lender Instruction : Delete this item from my credit file XXXX XXXX XXXX  XX/XX/year>2024 Inquiries Law Violation : FCRA 1681b Issue : Inquiry is unauthorized and must be removed Story : I never sought credit or initiated any contact with this company Instruction : Remove this inquiry and provide reinvestigation results I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional XXXX. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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