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: WI

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unfair, and misleading accounts reported on my credit report. I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other relevant federal and state consumer protection laws. These reporting errors have caused severe damage to my creditworthiness, financial stability, and emotional well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$570.00} XXXX XXXX Issue : Charge Off Story : I have evidence of timely payments and communication, yet this account has been falsely marked as a charge-off. Such reporting is deceptive and misleading under FDCPA 15 U.S.C. 1692e and FCRA 1681s-2 ( a ). The false charge-off has directly harmed my credit score, resulting in higher loan rates, denied mortgage applications, and financial XXXX. I have repeatedly attempted to resolve this matter with no success, and continued inaccurate reporting constitutes ongoing harm and legal violation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX Balance Owed : {$0.00} XXXX XXXX Issue : Late Payment Story : This account is inaccurately reported as late, despite proof of timely payments. FCRA Section XXXX681i ( a ) requires that disputed information be thoroughly investigated and corrected. This false late payment has harmed my credit score, limited my ability to access financial services, and caused undue emotional XXXX. Reporting inaccurate late payments without proper verification is a clear violation of consumer protection laws, and the damage is ongoing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$3800.00} XXXX  XXXX Issue : Charge Off Story : XXXX has falsely reported this account as charged-off despite my efforts to dispute or clarify any issues. This misreporting violates FCRA Section 1681s-2 ( a ) and Section 1681i ( a ). The false charge-off has caused denials in credit applications, higher interest rates, and reputational harm. The XXXX, XXXX, and financial difficulty caused by this inaccurate reporting are significant, and repeated attempts to correct it directly with XXXX have failed. This ongoing harm requires immediate CFPB intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX  Balance Owed : {$830.00} XXXX XXXX  Issue : Charge Off Story : This account is inaccurately marked as charged-off despite my responsible account management. FCRA Sections 1681i and 1681s-2 mandate accurate reporting and investigation of disputes. The false charge-off has negatively affected my credit score, created barriers to loans, and caused severe emotional and financial XXXX. I have made repeated attempts to resolve the issue with XXXX XXXX without success, making this a critical matter requiring urgent CFPB attention. 
XXXX FIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$19000.00} XXXX XXXX  Issue : Charge Off Story : This account was falsely reported as charged-off despite my ongoing communication and compliance with all payment agreements. The inaccurate reporting has directly caused repeated denials of loans, increased interest rates, and extreme XXXX. This misreporting violates FCRA Section 1681i ( a ), which mandates timely investigation and correction of disputed information. Because of this false charge-off, I have experienced financial setbacks, including difficulty securing housing, being forced to pay higher utility deposits, and emotional XXXX  due to the unfair characterization of my financial responsibility. 
XXXX XXXX XXXX XXXXXXXX Date OpenedXXXX Balance Owed : {$0.00} XXXX XXXX Issue : Late Payment Story : This account is inaccurately reported as late despite documented evidence of on-time payments. The false late payment has lowered my credit score, causing denial of financial opportunities and higher interest on existing credit lines. Reporting false late payments is a violation of FCRA 1681i ( a ) and Section 1681s-2 ( a ), and the ongoing XXXX  and financial disadvantage caused by this inaccuracy has impacted my ability to provide for daily living expenses and maintain financial stability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$0.00} * * Issue : Late Payment Story : Similar to the above, this account has been falsely reported as late despite no missed payments. The continued presence of these inaccuracies has damaged my reputation with lenders, made it difficult to secure fair loan terms, and caused significant XXXX and frustration. The false reporting is a violation of FCRA Section 1681i ( a ) and creates ongoing financial and emotional harm that could be avoided with proper correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$300.00} XXXX XXXX  Issue : Charge Off Story : XXXX  XXXX has inaccurately reported this account as charged-off. I have maintained responsible payment history and attempted resolution multiple times, but no correction has been made. FCRA Sections XXXX and 1681s-2 require accurate reporting, and the false charge-off has caused me real financial damage including denied loans, higher insurance premiums, and emotional XXXX. The continued misreporting impedes my ability to recover financially and maintain stability. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX Balance Owed : {$210.00} XXXX XXXX Issue : Charge Off Story : This account has been falsely charged-off despite full compliance on my part. The false reporting violates FCRA XXXXection 1681i ( a ) and FDCPA 1692e and has directly affected my credit score, making it difficult to access fair loans or credit. The emotional and financial toll is significant, causing XXXX, XXXX, and frustration as my efforts to resolve the issue directly with XXXX have failed. Immediate CFPB intervention is required to prevent further harm. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$600.00} XXXX XXXX  Issue : Collection Story : This collection account is inaccurately reported. Reporting false collections violates FCRA 1681i ( a ) and FDCPA 1692e. The misrepresentation has caused tangible harm, including denied credit applications, increased interest rates, and reputational damage. The XXXX  and hardship caused by this false reporting are ongoing and severely impact my financial life, creating obstacles in managing day-to-day responsibilities and long-term financial goals. 
XXXX XXXX  Bankruptcy XXXX Court : XXXX XXXX XXXX  XXXX  XXXX Issue : Bankruptcy Reporting Errors Story : My bankruptcy filings have been inaccurately reported across multiple credit reporting agencies. These inaccuracies misrepresent my financial status and violate FCRA Sections 1681i ( a ) and 1681s-2 ( a ). The incorrect reporting has prevented me from obtaining credit, increased my borrowing costs, and caused extreme emotional XXXX. Multiple attempts to correct the records directly with agencies have failed, necessitating CFPB intervention to ensure accurate reporting and prevent continued financial and reputational harm. 
I request that CFPB intervene immediately to ensure all above accounts and bankruptcy filings are corrected or removed. I also request written confirmation of the resolution from the credit reporting agencies. Failure to correct these inaccuracies constitutes ongoing violation of federal law and continues to severely damage my financial reputation, creditworthiness, and emotional well-being.

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