Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate credit reporting items and an unauthorized inquiry on my credit report that have caused significant financial harm, credit denial, and stress. I request immediate investigation and corrective action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account : XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account reports late payments that are inaccurate and do not reflect my actual payment history. I have bank statements, account confirmations, and transaction records proving all payments were made on time. FCRA Section 609 ( a ) ( 1 ) allows me to request verification of disputed information, and the furnisher has failed to provide valid proof. Reporting these late payments misrepresents my creditworthiness and violates FCRA Sections 607 ( b ) and 611 ( a ). This inaccurate reporting has caused a decrease in my credit score, impacted my ability to qualify for loans at favorable rates, and created financial stress. The continuous misreporting demonstrates a failure of reasonable procedures to ensure accuracy as required by law. I demand these late payments be corrected or deleted and that the bureau provide written confirmation of the reinvestigation results. Reporting false information in this manner is unacceptable and violates federal law, affecting both my current and future financial opportunities. The psychological and financial harm caused by this inaccuracy is substantial, and I insist upon immediate corrective action to prevent further damages. 

Account : XXXX XXXX  XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account inaccurately reports late payments that never occurred. My personal records, bank statements, and account transaction history confirm that all payments were made on time. FCRA Section 611 ( a ) ( 1 ) mandates a reasonable reinvestigation of disputed items, which has not been conducted adequately. The reporting of false late payments is a violation of federal law and misrepresents my credit history. This misinformation has negatively impacted my credit score, prevented me from accessing better financing options, and caused undue stress and inconvenience. Failure to verify the accuracy of this information violates FCRA Sections 607 ( b ) and 623 ( a ). The ongoing inaccuracy affects my financial opportunities, including loan approvals, mortgage rates, and employment checks, where credit is considered. I request immediate deletion or correction of these late payments, and I expect written confirmation of the results. Reporting unverifiable information undermines the integrity of the credit reporting system and causes tangible harm to me as a consumer. 

Account : XXXX XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : The reported late payments on this account are false. I have consistently made timely payments, supported by statements and electronic records. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are required to report complete and accurate information. The reporting of these inaccurate late payments misrepresents my credit profile and negatively affects my ability to secure credit. The inaccuracy violates federal law, including FCRA Sections 607 ( b ) and 611 ( a ), which require verification of disputed items. These false late payments have caused damage to my financial opportunities, including increased interest rates, higher insurance premiums, and difficulties in qualifying for financial products. The continued misreporting demonstrates negligence by both the furnisher and the credit bureau. I request correction or deletion of this account and written confirmation of the reinvestigation results to ensure compliance with federal law and protection of my consumer rights. 

Account : XXXX XXXX XXXXXXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account reports late payments without any proper verification. My payment records show that all payments were made on time and in full. FCRA Sections 607 ( b ) and 611 ( a ) ( 1 ) obligate credit bureaus and furnishers to ensure accurate reporting. Reporting false late payments negatively impacts my credit score, financial credibility, and access to favorable lending. The inaccurate reporting constitutes a violation of federal law and has caused tangible harm including financial inconvenience, inability to qualify for certain loans, and undue stress. I am requesting immediate removal or correction of this account and expect a detailed written report of the reinvestigation. Unverified or misleading reporting damages both my credit reputation and financial stability and can not continue. 

Account : XXXX  XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account inaccurately reports late payments that never occurred. My records provide clear evidence of timely payments. FCRA Section XXXX ( a ) grants the right to dispute unverifiable information, and the bureau is legally obligated to conduct a reasonable reinvestigation. Reporting false late payments misrepresents my credit history, violates federal law, and has negatively impacted my financial opportunities, including loan approvals and interest rates. The furnisher has failed to ensure accuracy, which is a violation of FCRA Sections 607 ( b ) and 623 ( a ). I request correction or removal of all unverifiable late payments and written confirmation of the results of this reinvestigation. The ongoing misreporting causes stress, financial harm, and misrepresentation of my creditworthiness, requiring immediate remedial action. 

Account : XXXX XXXXXXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Type : Late Payment Story : This account incorrectly reports late payments that do not exist. Documentation, including bank records, confirms all payments were timely. FCRA Section 609 ( a ) ( 1 ) entitles me to verification of disputed items, and the furnisher has failed to provide such verification. Continued reporting of inaccurate late payments is a violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( a ) and negatively affects my creditworthiness and ability to access financial products. The inaccuracies have caused undue stress, financial harm, and misrepresentation of my responsible payment behavior. I demand correction or removal of this account and written confirmation of the reinvestigation results. Failure to correct these items undermines consumer protection laws and violates my rights under FCRA. 

Account : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Charge Off Story : This account falsely reports a charge off despite a {$0.00} balance. Documentation confirms the account was settled and closed. FCRA Section 623 ( a ) ( 1 ) ( A ) mandates accurate reporting, and reporting it as a charge off is misleading and unlawful. The false reporting negatively impacts my credit profile, lending opportunities, and financial reputation. I demand immediate deletion or accurate correction and written confirmation of the reinvestigation results. This inaccurate reporting violates federal law and has caused financial harm, inconvenience, and stress. 

Inquiry : XXXX XXXX NA Date : XX/XX/XXXX Story : This hard inquiry was unauthorized and violates FCRA Section 604 ( a ) ( 3 ), which allows only authorized inquiries. I did not provide consent for this inquiry, and it has negatively affected my credit profile and financial opportunities. Reporting unauthorized inquiries misrepresents my credit activity and lowers my creditworthiness. I demand deletion of this inquiry and written confirmation that it has been removed. Failure to remove unauthorized inquiries constitutes a violation of federal law and causes direct harm to my financial reputation. 

Inquiry : CREDIT XXXX BANK NA Date : XX/XX/XXXX Story : This inquiry was conducted without my authorization, violating FCRA XXXX XXXX ( a ) ( XXXX ). I never consented to this hard pull. Unauthorized inquiries negatively impact my XXXX XXXX and misrepresent my credit activity to lenders and other institutions. I demand immediate deletion and written confirmation of removal. Continued reporting of this unauthorized inquiry constitutes a violation of federal law and causes tangible harm to my financial opportunities. 

I certify that the information above is true to the best of my knowledge. I request CFPB to fully investigate each account and the inquiry, enforce accurate reporting, and require deletion or correction of any unverified or inaccurate items in accordance with federal law. I also request written confirmation of any actions taken. CFPB intervention is necessary to ensure my rights are protected under the FCRA and FDCPA and to restore my financial reputation.

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