Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX Inquiries date:XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXXXXXX XXXX XXXXXXXX Inquiries date:XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX XXXX XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX XXXXXXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 

Inaccuracy # XXXX : XXXX XXXX Inquiries XXXX Description : I never authorized this lender to make a hard inquiry on my credit report. 


I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the
FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
XXXX. Truth in Lending Act ( XXXX ) ( XXXX XXXX. XXXX et seq. ) : XXXX. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my XXXX XXXX and financial well-being.

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