Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized information currently reported on my Experian credit file. This includes both an illegitimate collection account and multiple unauthorized hard inquiries, which violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Account to Be Deleted Furnisher : XXXX ( XXXX XXXX ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Derogatory Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX Last Activity : XX/XX/XXXX Most Recent Date Reported : XX/XX/XXXX I never authorized the sharing of my non-public personal information with XXXX, nor did I receive any validation of debt to confirm that this account is legally mine. Therefore, its inclusion in my credit report is inaccurate, unauthorized, and in direct violation of the FCRA. 

Unauthorized Hard Inquiries to Be Removed from Experian The following inquiries were made without my knowledge or consent and lack a permissible purpose under federal law : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX These entries violate the permissible purpose provision under 15 U.S.C. 1681b and must be deleted immediately.

Legal Grounds for My Dispute 15 U.S.C. 1681b : Prohibits accessing a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) : Requires Experian to maintain procedures to ensure maximum possible accuracy.

15 U.S.C. 1681g & 1681i : Entitles consumers to full disclosure and reasonable investigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers must not report information known to be inaccurate.

15 U.S.C. 1681c-2 ( a ) : Mandates the blocking of information resulting from fraud or unauthorized access when properly disputed. 



Requested Resolution Permanently delete the XXXX tradeline from my Experian credit file. 


Immediately remove all XXXX unauthorized inquiries listed above from my Experian report. 


Send me written confirmation of these deletions within XXXX ( XXXX ) business days as required under federal law. 



Notice of Intended Action Should Experian fail to correct this matter promptly, I will take further action, including : Filing complaints with the Federal Trade Commission ( FTC ) ; Notifying my XXXX XXXX XXXX ; Pursuing legal action under 15 U.S.C. 1681n and 1681o for statutory and actual damages, and civil claims for defamation and emotional distress. 


This matter is urgent and significantly affecting my financial well-being. I expect full compliance with the FCRA without delay.

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