Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to report numerous inaccuracies, unresolved disputes, and improper entries on my credit report. These include misreported delinquencies, unverifiable collection accounts, outdated or duplicate entries, and unauthorized or questionable inquiries. Despite prior attempts to address these issues through the credit bureaus and furnishers, the errors persist and continue to harm my credit standing. These practices constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts and Issues : XXXX XXXX XXXX Account opened XX/XX/XXXX with a high balance of {$160.00}, reported with late payments. I dispute the accuracy of the delinquency and request validation. 

XXXX XXXX payment reporting on an account with a high balance of {$540.00}, opened XX/XX/XXXX. This is a future date, which clearly indicates an error in reporting. Future-dated accounts are invalid under FCRA standards for accuracy. 

XXXX XXXX XXXX XXXX  Account opened XX/XX/XXXX with a high balance of {$12000.00}, reported as charged off. No original creditor validation has been provided. I dispute the charge-off status and request full documentation. 

XXXX XXXX XXXX Another tradeline, opened XX/XX/XXXX with a high balance of {$720.00}, also reports late payments. This may be a duplicate entry or reflect compounding errors. 

XXXX XXXX Charged-off account opened XX/XX/XXXX for {$18000.00}. I dispute this tradeline, which lacks proper validation or dispute response from the furnisher. 

XXXX XXXX XXXX Listed with late payments on a balance of {$43000.00}, opened XX/XX/XXXX. I dispute the accuracy and demand documentation proving the debt and the delinquency. 

XXXX XXXX XXXX A collection account for {$5200.00}, opened XX/XX/XXXX. This account has not been validated through proper channels despite previous disputes. 

XXXX XXXX XXXX Collection account for {$1200.00}, opened XX/XX/XXXX. I have not received any notice or validation for this alleged debt. 

XXXX XXXX Collection account opened XX/XX/XXXX for {$1000.00}. The future date again suggests either a reporting error or premature entry. This is unacceptable and should be immediately removed. 

XXXX XXXXXXXX An unusual entry reporting a {$0.00} balance and late payments from an account opened on XX/XX/XXXX. I have no financial association with this entity and demand removal. 

XXXX XXXXXXXX XXXX XXXX  ( Inquiry on XX/XX/XXXX ) This hard inquiry reflects a future date and may be a sign of file mismanagement or identity confusion. It is inaccurate and should be removed. 

Legal Basis and Harm : These inaccurate and unverifiable entries violate several key provisions of the FCRA : XXXX ( b ) Failure to ensure maximum possible accuracy XXXX Failure to properly reinvestigate disputed information XXXX Furnishing information without proper verification XXXX Unlawful credit inquiries These errors have contributed to denials of credit, increased interest rates, and ongoing emotional distress. The inclusion of future-dated tradelines and inquiries reflects clear negligence in file handling. 

Requested Resolution : I am requesting the XXXX intervention to compel the relevant credit bureaus and data furnishers to : Conduct a full reinvestigation of all accounts listed Provide original validation and documentation for each tradeline Remove any unverifiable, inaccurate, or future-dated entries Issue a corrected credit report confirming these actions Should these violations continue, I will pursue further complaints with the FTC and State Attorney General, and seek legal remedies for damages under FCRA XXXX and XXXX.

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