Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$120.00} Late Payment * * Law : FCRA 602 ( A ) and FCRA 611 require maximum possible accuracy and a reasonable reinvestigation. FCRA 623 states furnishers must report complete and accurate information. 
Issue : This account is being reported with late payment which is inaccurate and damaging. 
Story : I have no record of missing payments on this account, and the information being reported is inconsistent with my payment history. I am demanding proper validation and deletion if it can not be proven accurate. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$530.00} Late Payment * * Law : FCRA 611 mandates the bureau to verify accuracy of disputed data. FCRA 623 ( a ) ( 1 ) prohibits furnishers from reporting false information. 
Issue : This account is inaccurately showing late payment, which is incorrect and misleading. 
Story : I have consistently made payments on time and no verified proof has been provided to support the late payment being reported. Please reinvestigate and remove if unverifiable. 

XXXX XXXX XX/XX/year> Law : FCRA 604 states inquiries must be permissible and authorized by the consumer.

Issue : This inquiry was not authorized by me and therefore violates my rights. 
Story : I never gave written or electronic consent for this inquiry. It is unauthorized and harming my credit profile. Delete immediately. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 requires a permissible purpose for all inquiries. 
Issue : I did not authorize this inquiry.

Story : This hard inquiry is unauthorized and is negatively affecting my score. Please delete. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : No permissible purpose was established for this inquiry.

Story : This inquiry was done without my knowledge or consent. It must be removed. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : Unauthorized inquiry. 
Story : I never applied for credit with this company on that date. Delete immediately. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : No permissible purpose. 
Story : This inquiry was not initiated by me and is damaging my credit unfairly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : Unauthorized.

Story : I never gave consent for this inquiry. Please delete. 

XXXX XXXX XXXX XXXX XX/XX/year> Law : FCRA 604 Issue : Inquiry not authorized by me. 
Story : No application was made, therefore this inquiry is invalid. 

Inquiry XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : Unauthorized inquiry. 
Story : I never approved this request for my credit report. 

XXXX XXXX XXXX XXXX XX/XX/year> Law : FCRA 604 Issue : Inaccurate and unauthorized. 
Story : I did not apply for credit with this company. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/year> Law : FCRA 604 Issue : No permissible purpose. 
Story : I did not authorize this inquiry. Remove immediately. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties 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