Consumer complaint received 2024-05-08 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: MN

Complaint narrative:
Regarding the list of inquiries below, I am formally requesting their removal from my credit report. I did not authorize these inquiries, and their presence is negatively impacting my credit score. Additionally, there is a fraudulent account listed, which I never opened. I demand its immediate removal from my credit report as well. 

As per the Fair Credit Reporting Act, only accurate and authorized information should appear on my credit report. Since these inquiries were unauthorized, they must be deleted. 

Furthermore, there is an error in the reporting of my XXXX XXXX Bank XXXX  card and XXXX  XXXX XXXX  and XXXX XXXX on my Experian credit report. The payment history is inaccurate, as the account has always been current. I have attached copies of my XXXX credit report, which accurately reflect this. I request that the information be corrected to accurately reflect the timely payments made on this account, in accordance with federal regulations outlined in the Fair Credit Reporting Act. XXXX XXXX is erroneously reporting that an account was late, despite it consistently being paid on time. Attached are XXXX copies of my credit report, demonstrating the accounts history of punctual payments. Additionally, this account is closed, not open. 

XXXX was fraudulent account that was opened without my authorization. Attached are multiple police reports and financial documents supporting this claim. Despite my requests, the account remains on my credit report, causing significant damage. Under the Fair Credit Reporting Act, it is imperative that inaccurate information be rectified. I have requested documentation of the original signed agreement for this account, but it has not been provided. I urge for a thorough investigation under the Fair Credit Reporting Act to remove this erroneous entry from my credit report. 

Hard Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX Inquiry Date XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX XXXX  XXXX Inquiry Date XXXX Late Payments Report Incorrectly XXXX XXXX XXXX First Reported Date XX/XX/XXXX Late payments date XX/XX/XXXX XXXX XXXX XXXX  XXXX First Reported Date XX/XX/XXXX Late Payments dates XX/XX/XXXX, XXXX XXXX XXXX  XXXX BANK XXXX  XXXX First Reported Date XX/XX/XXXX Late Payments dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Account XXXX Date open XX/XX/XXXX XXXX

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