Consumer complaint received 2025-08-12 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Late Payment Law : FCRA Section 602 ( A ), 604 ( A ) ( 1 ), 611, and 623 ( a ) ( 1 ) ( A ) prohibits inaccurate reporting and requires creditors to report only complete and correct information Issue : This account is reporting late payment history that is not accurate, complete, or verifiable. As the data furnisher, XXXX XXXX XXXX is required to maintain proper records and must be able to provide proof of the alleged delinquency Story : I have not received any valid documentation or signed agreement supporting the reported late payments. If you can not obtain proper verification directly from XXXX XXXX XXXX within the reinvestigation period, this account must be deleted from my credit file in accordance with FCRA requirements INQUIRY XXXX  CARD XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) states that a credit inquiry must have a permissible purpose initiated by the consumer Issue : This inquiry was not authorized by me and no permissible purpose was established Story : I did not apply for any credit product or service with XXXX CARD on or around this date. If XXXX CARD can not provide a signed application or written consent authorizing this inquiry, it must be removed immediately INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) requires inquiries to have legitimate and permissible purpose initiated by the consumer Issue : This inquiry is unauthorized and not connected to any application or account I requested Story : I have no recollection or record of applying for any financial product with XXXX  XXXX XXXX on or around this date. If no proof of my consent exists, you are required to delete this inquiry from my credit file I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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