Consumer complaint received 2025-11-05 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:
I am submitting this formal complaint regarding the inaccurate and unverifiable information being reported on my credit file and the unauthorized inquiry that has appeared without my knowledge or consent. The following items listed below are being reported inaccurately and must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXXXXXX * XXXX XXXX {$430000.00} Opened XX/XX/XXXX XXXXXXXX XXXX has failed to validate or provide any evidence of late payments. No record, billing statement, or notice of delinquency was supplied during any reinvestigation. Reporting unverified derogatory data is a direct violation of FCRA 611 ( a ) and 1681s-2 ( b ). This entry is damaging, unverifiable, and must be deleted from my file immediately. 

XXXX XXXX * * XXXX XXXX {$1400.00} Opened XX/XX/XXXX * * XXXX XXXX continues to report a charge off with no proof of consumer authorization or account validation. No signed agreement, payment history, or written proof of charge off was ever produced. Reporting a false debt without verification violates 623 ( a ) ( 1 ) ( A ) and 807 ( 8 ) of the FDCPA. This item must be removed as it remains unverified and unlawfully reported. 

XXXXXXXX XXXX XXXXXXXX * * XXXX XXXX {$7100.00} Opened XX/XX/XXXX * * XXXX XXXX has reported a false late payment without documentation. No proof of actual delinquency, billing record, or notice was provided. Reinvestigation responses lacked supporting evidence, violating FCRA 611 ( a ) ( 1 ) and 1681e ( b ). Continued reporting of this inaccurate data shows willful noncompliance and must be deleted immediately. 

XXXX XXXX XXXXXXXX * XXXX XXXX {$29000.00} Opened XX/XX/XXXX * * XXXX XXXX has reported late payments without validation or verified records. No payment logs, correspondence, or account audit proving delinquency were presented. Reporting unverifiable information is a breach of FCRA 602 ( A ) and 1681s-2 ( b ). This item remains inaccurate and should be deleted immediately for failure to meet federal reporting standards. 

XXXX XXXX XXXX * XXXX XXXX {$21000.00} Opened XX/XX/XXXX * * This account is being reported with unproven late payments that were never verified. No signed proof, transaction record, or original creditor response exists. This failure to verify data violates FCRA 623 ( a ) ( 1 ) ( D ) and 1681i ( a ). The continued reporting of false information demonstrates noncompliance and must be permanently deleted. 

XXXX XXXX XXXX * * * * Charge Off {$27000.00} Opened XX/XX/XXXX * * XXXX XXXX XXXX has not validated this charge off despite repeated disputes. No signed documents, payment details, or account verification were produced. Reporting unverifiable or outdated charge off data breaches FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). This entry must be deleted immediately as it can not be verified for accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX * * * * * * * Charge Off {$6900.00} Opened XX/XX/XXXX * * XXXXXXXX XXXX XXXXXXXX is reporting a false charge off without proof of authorization or account ownership. No validation or correspondence verifying the debt has ever been shown. This violates FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( b ) for reporting unverifiable data. I demand full deletion due to lack of proof and ongoing noncompliance. 

XXXX XXXX XX/XX/XXXX This hard inquiry was done without any valid consent or business relationship. No written authorization or record exists confirming permission to access my report. Reporting unauthorized access violates FCRA 604 ( a ) ( 3 ) and 1681b ( f ). I demand immediate removal of this inquiry for noncompliance with federal law. 

These violations represent clear negligence and noncompliance with federal consumer protection laws. I request that the CFPB review and enforce appropriate corrective actions against the responsible furnisher and reporting agencies to ensure full compliance with FCRA and FDCPA provisions. I further demand deletion of all unverifiable and unauthorized items listed above and confirmation in writing once resolved.

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