Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to uphold my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other consumer protection laws. Experian has reported inaccurate and unverifiable information on my credit report, and despite multiple disputes, they have failed to correct or remove the harmful data. Below is the list of accounts, inquiries, and other data elements that are being falsely reported, along with the associated violations and harm caused. 
XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$930.00} Status : Collection * * Issue : This collection account is being reported inaccurately. I have not received any validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. Additionally, this account is being reported by a furnisher without proper verification from the original creditor. This is a violation of FCRA 1681s-2 ( a ) which mandates that furnishers provide accurate and complete information to CRAs. 
Law Violated : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy ; FDCPA 1692g Failure to validate debt ; FCRA 1681i Failure to reinvestigate disputed information. 
INQUIRY : XXXX XXXX Date : XX/XX/XXXX Issue : This is an unauthorized hard inquiry. I did not initiate, authorize, or apply for any credit with XXXX XXXX on or around this date. Reporting this inquiry without permissible purpose violates the FCRA. 
Law Violated : FCRA 1681b ( c ) No permissible purpose for inquiry ; FCRA 1681b ( f ) User certification required. 
INQUIRY : XXXX  Date : XX/XX/XXXX Issue : This inquiry is also unauthorized and made without my consent. I had no credit transaction or application witXXXX XXXX  on this date. This is a violation of my right to privacy and constitutes unauthorized access to my credit report. 
Law Violated : FCRA 1681b No permissible purpose ; FCRA 1681b ( f ) Certification requirement. 
INQUIRY : XXXX XXXX XXXX BANK Date : XX/XX/XXXX Issue : This hard inquiry is unapproved and not initiated by me. XXXX XXXX XXXX Bank accessed my credit file without my knowledge or consent, and Experian allowed it to be reported. This has negatively affected my credit score.

Law Violated : FCRA 1681b ( c ) No permissible purpose ; FCRA 1681b ( f ) Failure to verify legitimacy of inquiry. 
INQUIRY : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Issue : Duplicate unauthorized inquiry reported again by XXXX. This is not only inaccurate but Experian failed to detect that this was potentially fraudulent or improperly placed. Repeated unauthorized inquiries amount to negligent handling of consumer data. 
Law Violated : FCRA 1681b ( c ), 1681e ( b ) Failure to ensure accuracy.

I have made repeated efforts to dispute this information directly with Experian, but they have failed to take appropriate corrective action within the timeline required by law. These failures represent systemic non-compliance with federal consumer protection laws, and have caused me substantial harm, including credit denials, increased interest rates, and emotional distress. 
I am requesting that the CFPB take immediate action to investigate Experian for these violations and ensure that the inaccurate, unverifiable, and unauthorized information is permanently removed from my credit report.

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