Consumer complaint received 2025-09-05 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 CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments, but the history reported is inconsistent and does not match actual records. My rights under FCRA 1681e ( b ) guarantee that only accurate information may be reported, yet the lates being reported are neither verified nor properly documented by the furnisher. A late mark severely damages my ability to secure housing, employment, and fair credit opportunities. Without clear proof of delinquency notices, billing history, and proper accounting, these reported lates can not be considered accurate. Failing to ensure complete validation makes the bureau complicit in false reporting. Any continued publication of unverified late payments is a willful violation of federal law, and as this is my third request, I demand removal of these notations immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry appears on my file even though I never applied for credit, financing, or services with XXXX XXXX XXXX on the reported date. The FCRA 1681b clearly outlines permissible purposes for accessing consumer credit, and this inquiry does not fall under any of those lawful purposes. Allowing my file to be pulled without my consent is a breach of privacy and directly lowers my score. The bureau is responsible for ensuring that inquiries are lawful and permissible, yet this was allowed to post with no consumer authorization. Since this is the third time I am raising this issue, I must stress that unauthorized inquiries are not minor errors but violations of federal protections. I demand permanent deletion of this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no permissible reason to have accessed my credit file on the date reported. I did not apply for financing, authorize a hard inquiry, or engage in any transaction that would justify this access. Under FCRA 1681b, credit bureaus may only allow inquiries with consumer consent or legitimate business need, neither of which exist here. An unauthorized inquiry negatively impacts my credit standing and my right to financial privacy. By allowing this entry, the bureau is enabling unlawful data access. The FCRA requires that inaccurate and unauthorized inquiries be removed, and I demand immediate deletion of this item from my file. 

XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry by XXXX XXXX is unauthorized and unlawful. No written consent was ever provided, and there was no application made on my part. The FCRA makes it clear that permissible purpose is required for any access to a consumer report. Reporting inquiries without consent undermines consumer privacy and damages my credit score unfairly. This is a clear violation of my rights and demonstrates failure to maintain proper procedures under FCRA 1681e ( b ). Because this inquiry can not be substantiated, it must be permanently deleted from my record. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX is reporting an inquiry that I did not authorize and for which no permissible purpose exists. This access violates the FCRA and constitutes misuse of my consumer file. An inquiry that lacks consumer consent is harmful to my financial reputation, lowers my score, and is an invasion of my privacy. The bureau is legally responsible for ensuring that only lawful inquiries are included in my file. Since this is my third dispute regarding this matter, any continued reporting will be considered willful noncompliance. Immediate removal of this unauthorized inquiry is required. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is tied to a dealership or third party, but I never provided authorization for this access to my credit file. An inquiry must be backed by consumer consent and a legitimate transaction, which is absent here. FCRA 1681b prohibits such unauthorized pulls. Including this in my report is misleading and inaccurate, which violates 1681e ( b ) requiring maximum possible accuracy. This is the third time I am requesting deletion, and the fact that it remains shows failure to conduct a proper reinvestigation. I demand its immediate removal to protect my credit rights. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is reported without my permission or any application made with XXXX XXXX XXXX. A consumers credit report can not legally be accessed without permissible purpose under federal law. By allowing this inquiry, the bureau has permitted an invasion of my financial privacy and damage to my score. Each day this inquiry remains is further harm to my credit profile and future opportunities. The FCRA mandates reinvestigation and correction of such errors, and continued reporting of unauthorized pulls violates my rights. This item must be permanently removed. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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