Consumer complaint received 2025-08-15 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 to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : Not reported Balance Owed : {$76.00} Chargeoff * * Law : FCRA 602A, 607 ( B ), 609 ( A ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) Issue : No original creditor contract, no complete payment history, and no date of first delinquency reported which violates completeness and accuracy requirements Story : I have never received validation or contractual evidence linking me to this account, and no billing statements or original agreement have been provided in prior disputes. Without proper verification, continued reporting is unlawful. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : Not reported Balance Owed : {$230.00} Chargeoff * * Law : FCRA 602A, 607 ( B ), 609 ( A ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) Issue : Missing original account opening date, no verifiable chain of ownership, and no evidence of actual debt obligation Story : This account remains unverifiable after my first dispute. The absence of documentation and incomplete reporting make it impossible to confirm its accuracy. It must be deleted under FCRA. 

ACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602A, 607 ( B ), 609 ( A ), 611 ( A ), 623 ( A ) ( 1 ) ( A ) Issue : Inaccurate payment history being reported despite a {$0.00} balance, creating misleading derogatory impact Story : Reporting a late payment when there is no outstanding balance is inaccurate and misleading. The reporting furnishes a false impression of delinquency which is prohibited by the FCRA. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) ( 1 ) ( A ) Issue : No permissible purpose for inquiry ; no credit application or authorization given Story : I never applied for credit or authorized this company to access my credit report. This constitutes an impermissible pull under the FCRA and should be removed immediately. 

INQUIRY XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) ( 1 ) ( A ) Issue : Hard inquiry without consent or initiated transaction Story : I have no record of initiating a credit request with this company on the reported date. This inquiry is unauthorized and damaging to my creditworthiness. 

INQUIRY XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) ( 1 ) ( A ) Issue : No legitimate or authorized reason for accessing my credit report Story : I have no dealings with this entity and did not consent to this inquiry. It is unlawful and must be deleted immediately. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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