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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and unfair entries on my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and have caused serious harm to my financial standing, emotional well-being, and ability to access fair credit. I request immediate investigation, correction, and deletion of all inaccurate information. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : This account has always been paid on time and in full. The reporting of a late payment is completely false and demonstrates negligence on the part of the furnisher. According to FCRA 1681i, I am entitled to dispute any information that is inaccurate or unverifiable, and XXXX XXXX has a legal duty to correct errors promptly. This false reporting has caused undue stress, has negatively affected my credit score, and has limited my ability to access financial products, including loans, credit cards, and housing opportunities. The misrepresentation of my financial responsibility is unacceptable, and immediate removal of this inaccurate late payment is demanded. Repeated inquiries and challenges to this false entry have not been addressed adequately, further compounding the damage. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$0.00} * * Issue : Late Payment Story & Law Reference : I have never missed a payment on this account. The false reporting of a late payment violates FCRA 1681i, which requires furnishers to provide accurate information and to promptly correct errors once they are brought to their attention. This inaccurate reporting paints a misleading picture of my creditworthiness, causing financial and emotional harm. The false late payment is preventing me from securing fair loan terms and has created unnecessary stress, embarrassment, and economic impact. Such negligent and inaccurate reporting is a direct violation of federal law and undermines the credibility of the credit reporting system. Immediate deletion of this inaccurate entry is required. 
XXXX XXXX  XXXX Opened : XX/XX/XXXX High Balance : {$150.00} Issue : Late Payment Story & Law Reference : This account was fully paid on time, and yet a late payment has been inaccurately reported. According to FCRA 1681s-2 ( b ), furnishers must investigate and correct errors once notified. The false reporting undermines my financial credibility, prevents fair access to credit, and creates an undue burden on me to repeatedly dispute inaccurate information. This negligent reporting has caused emotional distress, wasted time, and limited my financial options. It also represents a failure by XXXX to comply with federal law and maintain accurate credit reporting standards. Immediate correction and removal of this false late payment is demanded to prevent ongoing harm.

I request that the CFPB ensure a thorough investigation and correction of all above accounts. These inaccurate entries have caused substantial financial harm, emotional distress, and misrepresentation of my credit history. I demand that all false late payments be permanently removed from my credit report. Written confirmation of corrections should be provided within the legally mandated timeframe. Failure to correct these inaccuracies would continue to violate federal law and exacerbate the harm caused. 
Thank you for your immediate attention to this matter.

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