Consumer complaint received 2025-09-24 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 is reporting inaccurate, incomplete, and unverifiable information that is harming my creditworthiness and causing financial damage. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate, complete, and fully verifiable information reported by credit reporting agencies and furnishers. The accounts listed below are being reported incorrectly and violate multiple provisions of the FCRA. I am requesting a full investigation and correction of these errors immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address I dispute the reporting of this address as inaccurate and request verification under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ). Provide documentation that confirms my residence at this location during the reporting period. If you can not verify, this incorrect address must be deleted immediately. Reporting inaccurate addresses misrepresents my credit history and violates FCRA 602, causing harm to my creditworthiness. I demand proof of residence, including lease agreements, utility bills, or other verifiable documentation. Continued reporting of unverified information is unlawful. I request a full reinvestigation and written confirmation of correction or deletion within the 30-day period required by law. Any unverifiable or incorrect reporting must result in immediate removal from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address I dispute the reporting of this address as inaccurate and request verification under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ). Provide documentation confirming my residence at this address during the reporting period. If you can not verify, delete this incorrect address immediately. Inaccurate address reporting misrepresents my credit history and harms my creditworthiness, violating FCRA 602. I demand proof of residence, such as a lease agreement, utility bills, or other official records. Continued reporting of unverifiable information is unlawful. I request a full reinvestigation and written confirmation of correction or deletion within 30 days. Any unverifiable or incorrect reporting must be immediately removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * I dispute the reporting of this account and request full verification under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ). Provide the original signed agreement, complete payment history, and any statements showing account activity. If you can not validate this account, it must be deleted immediately. Reporting inaccurate or unverifiable information violates FCRA 602 and 609 ( a ) ( 1 ). Any balance, status, or date discrepancies harm my creditworthiness and misrepresent my credit history. I demand proof that all reporting is accurate, including confirmation that the balance of {$0.00} is correct and no negative reporting occurred. Continued reporting without verification is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within the 30-day period required by law. Documentation must include all account statements from XXXX to present and proof that this account is being reported accurately. Any unverifiable information must result in immediate removal from my credit file. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} * * This account is reporting a balance and payment history that I dispute as inaccurate and unverified. The FCRA gives me the right to know the sources of information under Section 609, and I demand that you obtain and share the complete method of verification. You must provide signed original documentation from XXXX XXXX XXXX XXXX including the account agreement, full payment history, and a statement showing how the reported balance was calculated. If you can not provide this within the legal time frame, you must delete the account completely. Continuing to report unverified information is a violation of FCRA 611 ( a ) ( 5 ). This reporting is lowering my credit score and harming my ability to secure housing, employment, and fair credit terms. You are required to conduct more than a superficial investigation and must ensure the data is 100 % accurate. If you can not verify every detail, including the dates of delinquency and balance accuracy, this tradeline must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account is reporting a charge-off status despite showing a {$0.00} balance, which is misleading and inaccurate. Reporting a charge-off with no balance owed falsely suggests that I remain a credit risk. Under FCRA 607 ( b ) you are required to ensure accuracy and fairness in reporting. I demand that you provide the original charge-off notice, statements showing delinquency, and proof of when and how this debt was resolved. If the balance is indeed {$0.00}, this account should no longer reflect a derogatory status. Keeping a charge-off on file when no money is owed is unfair, misleading, and harmful to my creditworthiness. This is my second dispute, so failure to remove this inaccurate data will result in a CFPB complaint. I am demanding a full reinvestigation with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Chargeoff * * This account has been previously disputed and no proper method of verification was provided. The FCRA requires that you obtain documentation from the furnisher proving the validity of the account and provide me with the results of the reinvestigation. You must obtain a copy of the signed credit agreement, billing statements showing the balance, and the official charge-off notice from XXXX. If you can not provide these documents, this account must be deleted. Reporting unverifiable debt is a violation of my rights under FCRA 611 and 607 ( b ). Continuing to harm my credit with unverifiable data is unlawful and unfair. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Chargeoff * * This charge-off account is reported with conflicting and inconsistent data which is misleading under FCRA 607 ( b ) that requires maximum possible accuracy in reporting. The balance amount has fluctuated without proper explanation, and the charge-off date is not consistent with the original date of delinquency. FCRA 623 ( a ) ( 5 ) mandates that furnishers accurately report the date of first delinquency, and failure to do so results in unlawful credit reporting. I am demanding full verification by obtaining the original application, signed agreement, payment history, and the exact date of first delinquency from XXXX XXXX. If you can not provide these records from the original creditor, this item must be removed according to FCRA 611 ( a ) ( 5 ). Continuing to report unverifiable or outdated information harms my creditworthiness and violates my rights as a consumer. This account is also impacting my debt-to-income ratio and preventing me from accessing housing, credit cards, and other financial opportunities. The inconsistent reporting is misleading potential creditors and misrepresenting my payment history. Each monthly update that shows an incorrect balance or status is a fresh violation. You must correct or remove all inaccurate information immediately. I request a complete reinvestigation, including communication with the original creditor. Provide me with the date of last payment, charge-off date, and the method used to verify this information. If you can not certify accuracy under penalty of law, you must delete this account entirely from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Late Payment * * I am formally disputing the late payment reporting on this account. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation. I am requesting the original signed promissory note from the Department of Education and the full payment history including due dates, payment postings, and delinquency notices. Reporting a late payment without proof of delinquency is inaccurate and harms my credit profile. If you can not obtain verifiable records from the data furnisher, you must delete this information entirely. FCRA 602 ( A ) requires consumer reports to be accurate and fair. Continuing to report unverifiable data violates the Fair Credit Reporting Act and subjects you to liability. This tradeline is damaging my credit score and affecting my ability to secure fair credit opportunities. I never received proper notice of delinquency as required by law. Please verify whether the payment was indeed past due and by how many days. Provide a written explanation of how the data was verified and by whom. If the furnisher can not provide certified documentation, you must correct or remove the item. This reporting may also violate the Higher Education Act servicing standards. Please conduct a full reinvestigation and respond with documentation within 30 days as required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * This tradeline contains a reported late payment that I do not recognize. I request validation with the original note, monthly billing statements, and delinquency communications. Under FCRA 611 and 623, you must ensure accuracy before reporting. If your investigation can not verify the exact dates and status of this alleged delinquency, the information must be deleted. I dispute the completeness and accuracy of the payment history. A late payment should not be reported if there is no evidence of notice, due date, and nonpayment. The Consumer Financial Protection Bureau ( CFPB ) has issued guidance that unverified negative items can not remain. I have the right to a fair and accurate credit profile. This negative item is harming my ability to obtain loans and better interest rates. Please provide all supporting records used in your verification process. If no such evidence exists, delete the tradeline. Continuing to report unverifiable data may be considered willful noncompliance. This dispute serves as formal notice under federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} Late Payment * * I am requesting a thorough reinvestigation of this late payment. Under FCRA 611 ( a ) ( 1 ) ( A ), you must verify disputed information directly with the furnisher. I demand copies of payment records, billing statements, and delinquency notices. The reported late payment has not been proven and may be an error in reporting. Failure to verify accuracy requires deletion under FCRA 611 ( a ) ( 5 ). This accounts status is directly harming my credit profile and my ability to obtain fair housing and employment. I never received a notice that the account was delinquent as required by the Higher Education Act. If you are unable to validate, you must cease reporting. This dispute is being sent to protect my consumer rights and to ensure only accurate data remains on my report. Continued reporting without verification may constitute defamation of character and negligent noncompliance under FCRA 616 and 617. I am exercising my right to a fair and accurate credit report. Please update and send me a corrected report if this item is removed.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX  Balance Owed : {$7500.00} Late Payment * * This late payment is inaccurate and disputed under FCRA 611. Please provide the original signed documentation and payment history proving that this account was indeed late. If you can not confirm the date and severity of delinquency, remove the negative mark from my report. Consumers are entitled to accurate reporting and reinvestigation of disputed information. Failure to conduct a proper reinvestigation within 30 days is a violation of federal law. This inaccurate tradeline is affecting my creditworthiness, which directly impacts my access to affordable credit. I demand transparency in how this information was verified. The CFPB has made clear that credit bureaus must maintain reasonable procedures to assure maximum possible accuracy. Reporting unverifiable delinquencies misrepresents my credit history. Please respond with the results of your reinvestigation and supporting documentation. If you can not verify, delete this late payment completely. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * I am disputing the reported late payment on this account as inaccurate. Under FCRA 611, you are legally obligated to verify with the furnisher and provide evidence of delinquency. Please supply the complete account history, including payment due dates and actual posting dates. Without proof, you must delete this negative reporting. Continued reporting of unverifiable information may constitute a violation of my rights and expose you to damages. This late payment is materially affecting my credit profile and ability to obtain fair financial opportunities. Please conduct a full reinvestigation and correct or remove the item accordingly. 

XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Late Payment * * This accounts late payment reporting must be verified with original documentation. Provide the signed note, complete payment history, and all delinquency notices. If you can not verify, delete under FCRA XXXX ( a ) ( XXXX ). Accuracy and fairness are required by FCRA XXXX. This inaccurate data is harming my XXXX XXXX and limiting my access to credit. You must take immediate steps to correct this error. I demand validation showing the exact dates of each payment, proof of any late fees applied, and confirmation that no payments were misapplied. Any failure to provide this information constitutes a violation of FCRA 623 ( a ) ( 1 ) and 611 ( a ) ( 5 ). Continued reporting of unverifiable late payments is unlawful and may be considered willful noncompliance. I request a full reinvestigation and prompt correction or deletion of this account. Documentation must include all account statements from XXXX to present, and proof that this reporting is accurate. Any discrepancy in dates, amounts, or payment status must result in immediate removal of the negative mark. I expect confirmation of deletion or correction within the XXXX period mandated by law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * I dispute the accuracy of this late payment and request full reinvestigation under FCRA 611 ( a ). You are required to contact the original data furnisher, obtain complete documentation including payment history and delinquency notice, and provide me copies of that evidence. Failure to maintain proper records violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits reporting of inaccurate information. If you can not verify with original documentation, you must delete this entry. The continued reporting of unverifiable data harms my credit standing and impacts my ability to secure fair credit terms. I request all records from the Department of Education including the original promissory note, deferment or forbearance records, and dates of delinquency. Any partial, incomplete, or hearsay verification is not acceptable under the law. I am exercising my rights to maximum possible accuracy under FCRA 602 ( A ) and 607 ( B ). Please provide a written response detailing the procedure used in the reinvestigation, the name and contact of the furnisher, and a copy of the documents relied upon. If you fail to comply, I will escalate to CFPB and pursue further remedies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * I formally dispute this reported late payment and request a thorough reinvestigation under FCRA 611 ( a ) ( 1 ). You are required to verify its accuracy by obtaining full account-level records from the Department of Education , including payment history, deferment/forbearance history, and delinquency notices sent. Reporting unverified information violates FCRA XXXX ( a ) and constitutes negligence. I am requesting all relevant documentation be sent to me so that I may review it. If you can not verify with primary source documents, you must delete the entry under FCRA 611 ( a ) ( 5 ). Continued reporting without proper verification is considered willful noncompliance and causes financial harm. Please also confirm the dates of delinquency are correctly reported under FCRA 605 ( a ) since inaccurate dates could result in unlawful re-aging. You must provide a detailed description of the reinvestigation process, including the method of verification, name and address of the furnisher, and copies of records relied upon. Failure to respond properly within 30 days will require deletion of this derogatory entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Late Payment * * This late payment entry is disputed and must be verified with primary source documentation or removed. Under FCRA 611 and 623, you must ensure maximum possible accuracy by obtaining records directly from the Department of Education. I am demanding proof of delinquency, including the specific dates of missed payments and copies of any notices sent. If such documentation is unavailable, you must immediately delete this negative reporting. Continuing to report unverifiable data is unlawful and constitutes negligent or willful noncompliance under FCRA 616/617. You are also required to ensure the correct date of first delinquency is reported per FCRA 6XXXX ( c ). Any re-aging or misreporting of dates is a violation. Please provide written confirmation of your reinvestigation procedure and a copy of the records reviewed. Failure to comply will result in CFPB, FTC, and state AG complaints. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment * * I dispute this late payment and am requesting full verification. Please contact the data furnisher and obtain all supporting documents including payment records, deferment agreements, and delinquency notices. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable information. If you can not supply original documents within 30 days, you must remove this derogatory mark. The FCRA mandates maximum possible accuracy under section 607 ( B ) and this reporting appears to be erroneous. I request confirmation of the date of first delinquency and that no re-aging has occurred. Continued reporting without verification is harmful and unlawful. Provide me with a detailed written response, including the name of the furnisher and documents relied upon. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late Payment * * I am disputing the accuracy of this late payment and demanding a reinvestigation under FCRA 611 ( a ). You must obtain complete documentation from the original creditor to validate this account. Any unverifiable information must be promptly deleted per FCRA 611 ( a ) ( 5 ). You must ensure maximum possible accuracy and prevent the continued reporting of inaccurate or incomplete data. Please send me a copy of the documents you rely on, including payment history and delinquency notices. If you can not produce such records, you must delete the derogatory information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Late Payment * * Provide original documentation showing the late payment, including payment history and notices, or remove this item from my credit file. The FCRA mandates that unverifiable information must be deleted within 30 days. Continued reporting of unverified information is unlawful and constitutes willful noncompliance. I am demanding that you contact the Department of Education and obtain the complete account history, including the date of first delinquency, dates of any late payments, and copies of all notices sent to me. Without this documentation, you can not legally continue reporting this late payment. I dispute the accuracy and completeness of this data and request a full reinvestigation under FCRA 611. Any failure to properly investigate or delete unverifiable information is a violation of my rights and may result in legal action. The Fair Credit Reporting Act also requires that you ensure maximum possible accuracy, which means you must verify this item with credible evidence. Please provide me with the method of verification used, including the name and contact information of the data furnisher who verified the account. This information is critical for me to confirm that the reporting is fair and lawful. If you can not supply this information, you must delete this late payment immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Late Payment * * I dispute this reporting and demand verification. Please confirm the accuracy of this item with documentation from the Department of Education. If not verifiable, delete this record immediately. I request the full account history including all billing statements, payment records, and proof of delinquency. If you are unable to provide this evidence, continued reporting would constitute negligent or willful noncompliance under FCRA 616 and 617. I also request that you correct or remove this entry if the balance or dates are being reported inaccurately. The balance amount appears inconsistent, which raises concerns about the accuracy of your data. You must provide the exact charge-off amount, date of first delinquency, and current status as required under FCRA 623 ( a ) ( 5 ). Please send me the results of your reinvestigation along with a statement that shows whether this information was verified, corrected, or deleted. Failure to comply will be seen as a violation of federal law and I will escalate this matter to the CFPB and state regulators. It is your duty to ensure maximum possible accuracy under FCRA XXXX and to protect consumers from harm caused by false or outdated information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} * * I dispute this collection account and request full verification under FCRA XXXX11 ( a ) ( 5 ) and FDCPA 809 ( b ). Provide the original signed contract, complete account history, and a detailed calculation of the current balance. If you can not validate this debt, it must be deleted immediately. Reporting unverifiable or inaccurate information violates FCRA 602 and 623 ( a ) ( 1 ) and is harming my credit profile. I demand proof that the debt is legitimate, including chain of ownership, original creditor documentation, and any notices sent. Any discrepancy in amounts, dates, or status constitutes a reporting error and must be corrected. Continued reporting of unverified collections is unlawful and may be considered willful noncompliance. I request a full reinvestigation and written confirmation of correction or deletion within the 30-day period mandated by law. Documentation must include all statements, notices, and communications from the original creditor and XXXX XXXX. Any unverifiable or incomplete information must result in immediate removal of this account from my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection I dispute this collection as it is not mine and am requesting full debt validation under FDCPA 809 ( b ). You must provide the original creditor name, full account history, signed agreement, and itemized accounting of the balance. Reporting an unvalidated debt violates both FDCPA and FCRA 623 ( a ) ( 1 ) ( A ). Continued reporting of unverified data causes measurable harm to my creditworthiness and constitutes unfair practice. You must cease reporting until full validation is completed. If you can not validate, you must immediately delete this account and notify all bureaus. Provide me with written verification including supporting documents within 30 days as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Collection This account is disputed due to incorrect balance and reporting date. I request reinvestigation under FCRA 611 ( a ). You must verify with full documentation, including original account opening date, payment history, and correct balance calculation. Any unverifiable or inaccurate data must be deleted. Provide a description of the procedure used to determine accuracy as required by FCRA 611 ( a ) ( 6 ). Continued reporting without verification is considered willful noncompliance. The reported balance appears inflated and may include charges that were not authorized or properly disclosed. The date of first delinquency must be accurately reported under FCRA 623 ( a ) ( 5 ). Incorrect dates can unfairly extend the reporting period beyond the seven-year limit, which is a violation of FCRA 605 ( a ). You must provide evidence that XXXX XXXX assigned or sold this debt to the collection agency reporting it. If you can not produce signed documentation from the original creditor, you must delete this account from my credit file. I also demand that you notify me in writing if this account has been verified, along with the name, address, and phone number of the furnisher of information. Failure to provide the requested documents within the statutory time frame will be viewed as a refusal to comply with federal requirements. I expect the results of your reinvestigation within 30 days as mandated by FCRA 611 ( a ) ( 1 ).

By filing this complaint with the CFPB, I am exercising my rights under federal law to demand that the credit reporting agencies and furnishers of information investigate, validate, and correct these inaccurate accounts. Failure to comply may result in legal action to enforce my rights and seek damages as allowed under FCRA 616617

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