Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment information on this account is inaccurate and unverifiable. A late payment may only be reported if the furnisher has documented evidence that payments were actually received late according to contractual terms. No such records have been provided despite previous requests, which violates the duty under 15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct investigations and provide correct information. The misrepresentation of this payment history paints me as a delinquent borrower when I was not, and this has a negative effect on my credit standing, job opportunities, and financial wellbeing. Continued reporting without verification is unlawful. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment * * This account continues to report late payments with no substantiation. The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy, but this item remains despite the lack of supporting evidence. If a creditor can not produce account statements, payment histories, or contracts, then the data is unverifiable and must be removed. The continued appearance of this late payment violates my rights under 15 U.S.C. 1681e ( b ) and 1681i. The reporting unfairly damages my profile by suggesting a history of delinquency, when such claims have not been proven. 

XXXXXXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * The reporting of a late payment on an account with a balance of {$0.00} is illogical, misleading, and inaccurate. A zero balance account can not reasonably sustain delinquency claims unless backed by verified and documented proof. The creditor has failed to supply any valid evidence, and the bureau has failed to conduct a proper reinvestigation. Under 15 U.S.C. 1681i, the agency must delete information that can not be verified. Continuing to display this inaccurate negative mark misleads potential lenders and violates the duty to report truthful data only. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This XXXX XXXX account is listed as a chargeoff with a balance of {$0.00}, which is contradictory and misleading. A chargeoff implies a financial loss to the creditor, but if the balance is {$0.00}, there is no debt to charge off. This inconsistency shows the item is inaccurate and unverifiable. Under the FCRA, credit bureaus can not knowingly continue to report contradictory or misleading data. The agencys failure to delete this false reporting after multiple disputes demonstrates non-compliance with 15 U.S.C. 1681e ( b ) and 1681i. This item is causing me significant reputational and financial harm and must be corrected immediately. 

Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry This inquiry appears on my file without my approval or application. A bureau must not report inquiries lacking permissible purpose. This unlawful act continues to harm my consumer rights and creditworthiness and therefore must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. The FCRA prohibits such reporting without consumer consent or legitimate business need. Its presence on my credit report is unlawful and damages my profile. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was conducted without my consent and has no permissible purpose under 15 U.S.C. 1681b. The reporting of this inquiry misrepresents my credit activity and lowers my score unfairly. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. There is no record of my application or approval for credit, making this entry a direct violation of the permissible purpose requirement in the FCRA. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry This entry is unauthorized and unapproved by me. It fails to meet the permissible purpose standard required by law and must be deleted immediately to prevent continued harm to my file. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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