Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting this complaint because multiple accounts on my credit report are showing late payments that are inaccurate, unverified, and in many cases tied to accounts I did not open, authorize, or have any knowledge of. These late-payment entries have significantly harmed my credit profile, reduced my score, created barriers to financial opportunities, and continue to appear on my credit report despite my disputes with the credit bureaus. I am requesting the Consumer Financial Protection Bureaus assistance because these accounts and their late-payment histories have not been properly investigated under the Fair Credit Reporting Act ( FCRA ), and the furnishers have failed to provide any original documentation proving these late payments are valid or belong to me.

This complaint includes all of the accounts currently reporting late payments, including the following : XXXX XXXX ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( multiple entries ), XXXX XXXX ( multiple entries ), XXXX XXXX / XXXX XXXX, and XXXX XXXX. Across these accounts, late paymentssome showing as 30 days late, 60 days late, 90 days late, and even longerare appearing in my credit history. Many of these accounts are not mine, and many others show late-payment activity that is inaccurate, duplicated, or unsupported by any evidence. I have not received monthly statements, due notices, validation letters, or proof of delinquency for any of these accounts.

I believe these late-payment entries are the result of a combination of factors including potential identity theft, mixed-file errors, incorrect reporting by furnishers, outdated or incomplete data, automated system errors, and inadequate reinvestigation procedures by the credit bureaus. I have attempted to dispute these items individually, but the credit bureaus continue to verify them without providing any Method of Verification, copies of contracts, payment histories, or documentation confirming that I actually made late payments. The continued presence of these inaccurate accounts on my credit report represents a failure to comply with FCRA 607 ( b ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report.

I will describe each category of late-payment account below and explain how the information reported is inaccurate, unsupported, and harmful.

The first category includes XXXX XXXX, which is reporting multiple accounts with numerous late payments, including 30-day, 60-day, and 90-day delinquencies. I do not have any relationship with this company, have not applied for or opened any credit accounts with them, and have never received documentation showing that I owe them money. These late payments are false, and the furnisher has not provided any signed contract, billing statements, or proof that I authorized or used these accounts. When I disputed the accounts with the credit bureaus, they came back as verified, even though the bureaus did not provide what documentation was used for verification. Under FCRA 611 ( a ), I am entitled to a reasonable reinvestigation, which includes examining the source documents that allegedly support the reporting. None was provided. Therefore, the late payments reported by XXXX XXXX are unverified and inaccurate. 

The second category includes XXXX and XXXX, which are reporting late payments and charge-off statuses. I do not have any accounts with these companies, nor have I received any notices, statements, or explanation of how these accounts were opened. The late payments associated with them are inaccurate and unverified. I never received due-date notices, payment reminders, or any type of billing that would indicate I owed payments on these accounts. When I disputed these items with the bureaus, I received generic dispute results stating the accounts had been updated or verified, but again without real documentation. No contract, no signed application, and no payment records were provided. The presence of these unverified late payments violates furnishers obligations under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information that is known or should be known to be inaccurate.

The third category includes XXXX XXXX XXXX, which shows a late payment before the account was closed. I do not recall ever being late on any such account, nor did I receive any documentation indicating delinquency. Without billing statements, missed-payment notifications, or original creditor records, the reported late payment can not be substantiated. A late payment can not be reported simply because a furnisher or bureau assumes delinquency. FCRA requires accuracy backed by evidence. No such evidence has been provided to me.

The next category includes XXXX, which shows a 90-day late payment. I dispute this reporting because I have never received any documentation that proves this delinquency actually occurred. I have not seen any payment history records, missed-payment notices, or billing schedules. I was not aware of any past-due situation, and I strongly believe this late report is either a clerical error or an automated reporting issue. The furnisher has not complied with the requirement to provide documentation that would verify the alleged delinquency.

Several entries from XXXX ( XXXX XXXX ) show multiple late payments, including 30-day, 60-day, and 90-day delinquencies. These are inaccurate. I have not received statements showing past-due amounts or any documentation supporting these claims. When I disputed these entries, the dispute responses were generic and failed to meet the definition of a reasonable reinvestigation under FCRA 611 ( a ). Without original creditor documents, XXXX XXXX late-payment reporting can not be considered accurate.

Two separate XXXX XXXX accounts show repeated late payments including 30-day, 60-day, and 90-day delinquencies. I did not open these accounts and have no relationship with this company. These late payments are inaccurate and should not be on my report. I have not received monthly billing statements, validation letters, or any communication showing I owed payments or was delinquent. Again, the credit bureaus did not provide verification documents and simply marked my disputes as verified, which is unacceptable under federal law.

One of the most concerning entries is XXXX XXXX / XXXX XXXX, which reports extremely long late-payment histories, including extensive 90-day late periods that span over a year. This level of delinquency is impossible because I have never been billed by this company, never received notices from them, never opened an account with them, and do not owe any money to them. The late payments appear to be completely fabricated or assigned to my file in error. No documentation was provided to verify this information.

Another derogatory account showing late-payment activity is XXXX XXXX, which is reporting a collection account along with late-payment history. I was never contacted by this company, never received validation, and never received any notice of debt. Without validation, late-payment reporting is unlawful.

Across all of these accounts, the common pattern is that I never received : Any original contracts Any signed applications Monthly billing statements Due-date notices Notices of missed payments Late-payment warning letters Validation under FDCPA Method of Verification from the bureaus Proof that the accounts belong to me The furnishers and credit bureaus have failed to meet their obligations under FCRA. No company has provided the documents required to justify late-payment reporting.

The credit bureaus rely heavily on e-OSCAR, an automated system that exchanges dispute codes with furnishers. This process does not include reviewing actual documents or verifying identity. Because I have stated clearly that many of these accounts are not mine, the credit bureaus should not be relying solely on automated verification but must instead require real documentation.

Late-payment entries are some of the most damaging items on a credit report. They significantly reduce credit scores, raise interest rates, affect insurance premiums, create barriers to renting, and can impact employment opportunities. Reporting late payments without proper verification is extremely harmful and violates the accuracy and fairness standards of the FCRA.

I am asking the CFPB to require the furnishers and credit bureaus to conduct a real, documented, and thorough investigation of these accounts. This must include requiring each furnisher to produce : Original signed contracts Payment history ledgers Billing statements Documentation showing due dates Proof that late notifications were sent Valid evidence of delinquency Full identity-matching documentation If they can not provide these documents, then the late-payments and the associated accounts must be removed entirely.

These late-payment entries are inaccurate, unverified, and in many cases tied to accounts I do not own. I am requesting that the CFPB require correction of my credit file in accordance with federal law.

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