Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items there to be fraudulent, inaccurate 15 U.S.C. 1681 602a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623 ( a ) ( 3 ) [ 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report Immediately 15 U.S.C. 1681 602a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623 ( a ) ( 3 ) [ 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 ( b ) Accuracy report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report Immediately : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX IA XXXX ( 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