Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because multiple inaccurate and unverified accounts are being reported on my consumer file. These furnishers and credit bureaus have failed to provide any proof, contract, or documentation showing I opened or authorized these accounts. This violates my rights under FCRA 602 ( A ), 603, 607 ( B ), 609 ( A ), 611 ( A ), 616, 617 and FDCPA 807, 808, 809. These errors are harming my credit, causing financial damage, and must be corrected. 

XXXX XXXX Charge Off High Balance {$740.00} Date Opened XX/XX/XXXX I have no knowledge of this account and it was never authorized by me. Under the FCRA you are required to delete any account that can not be proven with full verification including a lawful contract and complete validation from the furnisher. 

XXXX XXXX Charge Off High Balance {$390.00} Date Opened XX/XX/XXXX I do not recognize this account and no verified documentation proving my responsibility has ever been provided. Continued reporting without authentication violates the accuracy and reinvestigation requirements of the FCRA. 

XXXX XXXX Charge Off High Balance {$600.00} Date Opened XX/XX/XXXX This account is unknown to me and appears to be reported without any contractual proof. Under FCRA 611 ( a ) unverified accounts must be removed. 

XXXX  XXXX Charge Off High Balance {$19000.00} Date Opened XX/XX/XXXX I never opened or authorized this account and no proper verification has been supplied. Reporting an account without confirming my identity and liability is a violation of your duty to assure maximum possible accuracy. 

XXXX XXXX XXXX Charge Off High Balance {$1300.00} Date Opened XX/XX/XXXX This is not my account and I request deletion because the furnisher has failed to show any legitimate evidence proving that I opened or used this account. 

XXXX XXXX Late Payment High Balance {$520.00} Date Opened XX/XX/XXXX The late payment history is inaccurate because I have never paid this account late. Under the FCRA you must correct or delete inaccurate payment history when the furnisher can not substantiate it. 

DPT EDXXXX XXXX Late Payment High Balance {$1000.00} Date Opened XX/XX/XXXX The reporting of late payments is incorrect because I have never missed a payment. You are required to ensure accuracy and update or delete unverifiable information. 

DPT EDXXXX XXXX Late Payment High Balance {$1700.00} Date Opened XX/XX/XXXX These late payments are inaccurate and unverified. The furnisher has not provided valid evidence showing any delinquency and therefore the information must be corrected. 

XXXX XXXX Charge Off High Balance {$360.00} Date Opened XX/XX/XXXX This account is unknown to me and the charge-off reporting has no verified proof. You can not continue reporting an account that lacks proper validation and identity confirmation. 

XXXX XXXX Charge Off High Balance {$3000.00} Date Opened XX/XX/XXXX I have no knowledge of this account and no verified contract or usage record has been shown. The FCRA requires the removal of unverified information after a reinvestigation. 

DPT EDXXXX XXXX Late Payment High Balance {$2000.00} Date Opened XX/XX/XXXX The late payment reporting is wrong because I have never made any late payments. Without valid proof from the furnisher you must correct this history. 

DPT EDXXXX XXXX Late Payment High Balance {$3500.00} Date Opened XX/XX/XXXX These late payments are inaccurate and do not reflect my true payment behaviour. Continued reporting without proof violates the FCRAs accuracy standards. 

XXXX XXXX XXXX XXXX Collection High Balance {$780.00} Date Opened XX/XX/XXXX I have no knowledge of this collection and it appears to be reported without substantiated validation. Any unverified collection must be deleted during reinvestigation. 

XXXX XXXX  XXXX Collection High Balance {$740.00} Date Opened XX/XX/XXXX This collection account is unfamiliar to me and has never been validated with proper documentation. Under federal law you can not continue reporting unverifiable information. 

XXXX XXXX  XXXX Collection High Balance {$680.00} Date Opened XX/XX/XXXX I do not recognize this account and the furnisher has not supplied lawful verification. You must delete any information that can not be authenticated. 

These items are harming my credit and were never properly verified. I request a full CFPB investigation and immediate correction or removal of all inaccurate Charge Off, Collection, and Late Payment accounts.

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