Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Nature of Complaint : This is a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to : XXXX. An inaccurate late payment reported on my XXXX XXXX XXXX XXXX account. 
2. A fraudulent credit inquiry from XXXX XXXX XXXX dated XX/XX/year>. 



XXXX. XXXX XXXX XXXX XXXX Inaccurate Late Payment I have never made a late payment on my XXXX XXXX account, yet Experian is reporting a negative status. I have submitted disputes demanding correction, yet Experian has failed to : Provide the method of verification ( including names, dates, and the source of verification ), Provide complete documentation used in the investigation, and XXXX a lawful reinvestigation as required under federal law.

Violations Committed : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to perform a proper reinvestigation.

FCRA 1681s-2 ( b ) Failure to correct inaccurate information after receiving notice of dispute.

Relief Requested : Immediately update this account to Paid as Agreed status.

Delete all negative reporting related to the alleged late payment.

This correction must be completed within 72 hours of receiving this complaint. 



XXXX. XXXX XXXX XXXX Unauthorized Inquiry Dated XX/XX/year> On XX/XX/year>, a fraudulent inquiry was reported on my Experian credit report by XXXX XXXX XXXX. I never applied for credit with this institution, nor did I authorize this inquiry. This is a clear violation of my rights as a verified victim of identity theft. 

I have submitted a valid FTC Identity Theft Report ( Report XXXX. XXXX ) that confirms I am a victim of identity theft. This report includes details of multiple fraudulent accounts and inquiries, including this one. 

Violations Committed : FCRA 1681c-2 Failure to block fraudulent information after receiving identity theft documentation.

FCRA 1681i ( a ) Failure to conduct a reinvestigation.

FCRA 1681s-2 ( b ) Failure to cease reporting of unauthorized inquiries.

Relief Requested : Permanently delete the XXXX XXXX XXXX inquiry from my credit report. 
Block all future reporting from this company unless fully verified with written authorization.

Deletion must be completed within 72 hours of this complaint.

This Dispute Requires Human Review : This dispute contains material that can not be adequately reduced to standard e-OSCAR codes. This dispute must be reviewed by a live human investigator for full legal compliance under FCRA 1681i and 1681e ( b ).

Closing Demand : Experian has failed to comply with federal law, failed to protect my consumer rights, and caused me undue harm. I demand the CFPB intervene immediately to enforce : Full correction of the XXXX XXXX account to Paid as Agreed within 72 hours. 
Permanent deletion of the fraudulent XXXX XXXX XXXX inquiry within 72 hours.

If Experian continues to refuse compliance, I am prepared to pursue legal action and seek all remedies available under FCRA 1681n and 1681o, including actual, statutory, and punitive damages.

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