Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
Based on the information youve shared, heres a draft complaint you can use against Experian. Feel free to adjust it further if necessary : Subject : Complaint Regarding Experians Failure to Address Disputes and Inaccurate Reporting To Whom It May Concern, I am submitting this formal complaint regarding Experians failure to accurately report and resolve inaccuracies on my credit file, despite multiple disputes and cease-and-desist requests. Experians mishandling of my account has severely impacted my financial health, creditworthiness, and opportunities for credit approval.

Specifically, the issues I am disputing include : 1. Unauthorized Hard Inquiries : Numerous hard inquiries are reflected on my credit report without my authorization. These inquiries are outdated and irrelevant but remain on my report, dragging down my credit score and limiting my ability to obtain new credit.

2. Incorrect Late Payments for Ally Financial Account : My Ally Financial account reflects multiple late payments that are inaccurate. I have already disputed these payments, provided sufficient information, and requested their removal, yet they remain on my report. 
XXXX. XXXX XXXX XXXX : My report reflects an inaccurate car repossession tied to my XXXX XXXX account. This is entirely incorrect and has unjustly impacted my creditworthiness. 
4. Account Closure and Reopening : The same account has been closed and reopened on my credit report multiple times, which is erroneous and misleading. These actions have caused significant fluctuations in my credit score, further preventing me from accessing credit.

Despite my efforts to resolve these issues directly with Experian, including submitting formal disputes and cease-and-desist requests, I have been ignored, and no meaningful action has been taken. This lack of responsiveness violates my rights under the Fair Credit Reporting Act ( FCRA ).

Additionally, Experians negligence has caused : My credit score to fluctuate unpredictably, impacting my financial stability.

Denial of credit applications for essential services and credit cards.

Continued damage to my financial reputation due to outdated, inaccurate, and unauthorized information.

I demand that Experian : 1. Immediately remove all inaccurate late payments, the car repossession entry, and unauthorized hard inquiries from my credit file.

2. Conduct a thorough investigation into the repeated closure and reopening of my XXXX XXXX account on my credit report. 
3. Provide a written response outlining the steps taken to resolve these disputes, as well as an updated credit report reflecting the corrected information.

Failure to address and resolve this matter will leave me no choice but to escalate this issue further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Personal Details for Verification : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Account in Dispute : XXXX XXXX I trust that you will treat this matter with urgency and take corrective action promptly. 

Sincerely, XXXX XXXX Let me know if you want any modifications. Once finalized, you can submit this complaint directly to Experian and also file it with the CFPB if needed.

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