Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated by the inaccurate and misleading information being reported on my credit file. I am a responsible consumer who maintains accurate records, and I have noticed that certain creditors and data furnishers have failed to follow the laws that govern accuracy, verification, and permissible purpose. This inaccurate reporting is causing ongoing harm to my creditworthiness and financial reputation, and I am seeking immediate investigation and correction under FCRA and CFPB oversight. 

XXXX XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/year> | Balance : {$0.00} | Status : Late Payment This account continues to appear with late payment information despite showing a zero-dollar balance, which violates FCRA 1681e ( b ) that requires consumer reporting agencies to maintain the maximum possible accuracy. Reporting a late payment on an account with no balance and no open obligation misleads future creditors into believing a delinquency exists. The furnisher has not provided any verifiable documentation proving that I was notified, billed, or delinquent. FCRA 1681i ( a ) ( 1 ) ( A ) mandates that a reinvestigation must delete or correct unverifiable information. By continuing to report false payment history, you are in violation of my federal consumer rights, and your failure to properly verify this information after multiple disputes reflects willful noncompliance. I am demanding full deletion of this account from my credit report. 

XXXX XXXX XXXX Inquiry XX/XX/year> This inquiry remains listed even though no permissible purpose existed for its appearance. Under FCRA 1681b ( a ), a credit report may only be accessed with the consumers authorization or for a legitimate credit transaction initiated by the consumer. I never granted written or electronic authorization for this inquiry, nor did I apply for any product or service with XXXX XXXX at that time. Retaining an unauthorized inquiry constitutes a willful violation of FCRA 1681b ( f ) and an invasion of privacy. Continued inclusion of this inquiry after prior disputes suggests negligent disregard of lawful consumer rights, and therefore, I am requesting its immediate deletion. 

I am requesting the Consumer Financial Protection Bureau to open an immediate investigation into these matters and to hold the reporting entities accountable for their noncompliance. The inaccuracies and unauthorized activity on my report have caused reputational damage, credit score reduction, and emotional distress. I trust the CFPB will ensure these violations are corrected and that the furnishers and credit bureaus comply with the FCRAs standards of fairness, accuracy, and accountability.

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