Consumer complaint received 2025-07-11 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:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing 1. ACCOUNT DISPUTE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Status : Late Payment * * LAW : FCRA 15 U.S.C 1681s-2 prohibits the furnishing of inaccurate information by data furnishers and requires the consumer reporting agency to conduct a reasonable investigation upon notice of dispute ISSUE : This account is inaccurately marked with late payments which I dispute as I never received proper billing or delinquency notice, nor did I agree to the timeline reported STORY : I maintained all my communication and payments within the agreed timeframe and any lapse is due to the creditors failure to deliver statements to my current verified address which I can prove with supporting documents. This account being reported as late is not only false but damaging to my credit profile. Please verify with original documents or delete this account entirely from my report 2. INQUIRY DISPUTE XXXX XXXX  Date : XX/XX/XXXX LAW : FCRA 15 U.S.C 1681b ( c ) restricts the use of hard inquiries to permissible purposes initiated by the consumer ISSUE : I did not authorize or initiate any application for credit with XXXX XXXX  on the date listed STORY : I have no recollection or written consent provided to XXXX or any affiliate on or around XX/XX/XXXX that would permit a hard inquiry into my credit file. This inquiry was unauthorized and constitutes a violation of my consumer rights under federal law. I request immediate deletion of this inquiry XXXX. INQUIRY DISPUTE XXXX XXXX  XXXX Date : XX/XX/XXXX LAW : FCRA 15 U.S.C 1681b ( a ) ( 3 ) only allows access to consumer reports for specific permissible purposes with consent ISSUE : This inquiry was not authorized by me nor was any credit application made to XXXX  XXXX XXXX around the given date STORY : There is no signed application or digital authorization proving my consent for this inquiry. This is either a case of error or potential fraud and I request immediate removal as this inquiry affects my creditworthiness without justification Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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