Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report continues to show inaccurate, outdated, and misleading information that is damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and other consumer protection laws. I am requesting a full reinvestigation of the accounts and inquiries listed below, deletion of any unverifiable or inaccurate data, and immediate correction of my report to reflect accurate information. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account continues to show late payments despite reporting a {$0.00} balance, which is misleading and harmful to my credit profile. FCRA 1681e ( b ) requires you to assure maximum possible accuracy, yet reporting a late payment on an account that is no longer active or carrying a balance is a direct violation of that requirement. I am requesting that you obtain full documentation from the furnisher, including original payment history, dates, and proof of delinquency. If such documents can not be produced, the late payment must be deleted under 1681i. Reporting unverified late payments lowers my credit score unfairly, interferes with my ability to obtain credit, and misrepresents my payment behavior to future lenders. Continued failure to correct this information after repeated disputes demonstrates reckless disregard for the law. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment XXXX XXXX  This account is showing multiple late payments that I fully dispute as inaccurate. Under FCRA 1681i, you are required to reinvestigate disputed data, contact the furnisher, and obtain direct verification of every late payment reported. I demand you provide me with the method of verification, including who you contacted, when, and what documentation was reviewed. If no original records such as signed contracts, billing statements, or account histories can be produced, the late payments must be deleted. FCRA 1681s-2 ( b ) obligates furnishers to report data accurately and update information if it is found to be inaccurate, yet your file shows no such update despite my earlier disputes. Continuing to report unverifiable negative data is harmful, misleading, and a violation of my consumer rights under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account reflects a late payment despite being fully paid and showing a {$0.00} balance. Reporting a delinquency on a closed, paid account is materially misleading and violates FCRA 1681e ( b ), which requires maximum possible accuracy. I am demanding that you produce verification of the alleged late payment, including exact dates, proof of delinquency, and records from the furnisher. If you can not provide this evidence, the derogatory information must be removed entirely. Continued inaccurate reporting after notice is considered willful noncompliance under 1681n and exposes you to liability for damages. The presence of false late payment data lowers my creditworthiness and causes ongoing harm in the form of higher interest rates and denials of credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account is reporting a late payment that I dispute as completely inaccurate. With a {$0.00} balance and no current delinquency, there is no permissible reason to continue showing late history. Under FCRA 1681i, you must conduct a reasonable reinvestigation and delete unverifiable information. If the furnisher can not produce verifiable proof, such as a payment ledger or delinquency notice, the account must be updated to show Paid as agreed or removed entirely. Your continued reporting of this item after previous disputes shows a failure to maintain compliance with 1681e ( b ) and 1681s-2 ( b ). I expect this matter to be fully resolved within the 30-day timeframe as allowed by federal law. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me and has no permissible purpose under FCRA 1681b. I never applied for credit with XXXX XXXX on or around the date listed. You must reinvestigate under 1681i and obtain written proof that I authorized this inquiry. If no such proof exists, you are legally obligated to delete it. Unverified inquiries create the appearance of excessive credit seeking and damage my credit score unfairly. Failure to correct this after notice will be considered willful noncompliance under 1681n. 

XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was placed on my credit report without my knowledge or written authorization. FCRA 1681b ( a ) ( 3 ) strictly limits when a credit report can be accessed, and there is no permissible purpose here. You are required to confirm and document that this inquiry was properly authorized. If you can not produce a signed application or record of permissible purpose, you must delete it under 1681i. Continued reporting will result in regulatory complaints for violation of federal law. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have no relationship or credit application with this entity that would justify a hard inquiry. This is an unauthorized access of my credit file and violates FCRA 1681b. You must reinvestigate and provide me with the documentation proving permissible purpose. If you can not, this inquiry must be deleted immediately. Reporting inquiries without proof misleads lenders and harms my creditworthiness. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry appears on my report despite no credit application being made by me. Under FCRA 1681b, this is considered an impermissible pull. You are obligated to investigate and confirm the legitimacy of this inquiry. If you can not verify my written consent or a valid credit transaction, you must delete it immediately. Leaving it on my file shows negligent reporting and violates 1681e ( b ). 

XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and continues to harm my credit score. FCRA 1681i requires you to reinvestigate disputed information and delete unverifiable inquiries. If you can not produce legal proof that I authorized this inquiry, it must be removed to comply with federal law. 

XXXX XX/XX/XXXX Inquiry This is an unauthorized inquiry that does not meet the requirements of FCRA 1681b for permissible purpose. I demand that you investigate, provide documentation of my consent, and if you can not, delete the inquiry immediately. Unauthorized inquiries are damaging and must be removed under 1681i. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry and have no credit application with this company. FCRA 1681b prohibits access to my credit file without permissible purpose. You must either verify this inquiry with proper documentation or remove it. Continuing to report it after disputes violates my rights and constitutes negligent noncompliance under 1681o. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was made without my authorization and must be deleted. Under 1681i, you must reinvestigate and confirm that I initiated a credit application. If you can not, you must remove the inquiry to comply with federal law. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized and has no valid permissible purpose under FCRA 1681b . I expect you to investigate and produce proof of my consent or delete the inquiry immediately. Leaving it uncorrected harms my credit score and violates my consumer rights. 

XXXX XXXX XXXX XXXX XXXX  Inquiry I dispute this inquiry as unauthorized. You must confirm permissible purpose under 1681b and provide documentation. If you can not, this inquiry must be deleted as required by 1681i. 

I am asking the CFPB to ensure that the credit bureaus and furnishers conduct proper reinvestigation, remove all unverifiable late payments and inquiries, and correct my credit file so it reflects only accurate and complete information as required by federal law. Continued failure to correct this data will constitute willful noncompliance and cause further damage to my financial standing.

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