Consumer complaint received 2025-11-12 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and unauthorized information appearing on my credit reports with the major credit bureaus ( Experian, XXXX, and XXXX  ). Despite my best efforts to resolve these matters directly with the bureaus, these items remain uncorrected and continue to harm my credit standing. 
I am requesting the CFPBs assistance in ensuring that the following accounts and inquiries are properly investigated and corrected or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
INCORRECT ACCOUNT INFORMATION These accounts are inaccurately reporting late payments. I have maintained my payments on time and request that you verify and correct each one. 
XXXX Account # XXXXXXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX I have never made any late payments on this account. Please correct the payment history to show all on-time payments. 
XXXX XXXX Account # XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX This account incorrectly reports late payments. I have paid this account responsibly and request correction of the payment record. 
XXXX XXXX Account # XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX The reported late payments are inaccurate. Please review and update this entry to reflect a positive payment record. 
XXXX Account XXXX XXXX XXXX XXXX : {$570.00} Date Opened : XX/XX/XXXX This account has always been paid as agreed. Please remove any false late payment notations. 
XXXXXXXX XXXX  Account # XXXXXXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX I have never been late on this account. Kindly verify and update the record to show accurate payment history. 
XXXX XXXX  Account # XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX The late payment information listed is incorrect. Please correct this reporting immediately. 
XXXX Account # XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX I dispute the reported late payment. I have always made my payments on time, and this needs to be corrected. 
XXXX XXXX Account # XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX This account is showing inaccurate late payment data. Please investigate and update it to reflect on-time payment history. 
XXXX Account # XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX I never missed a payment with this creditor. The reported late payment should be corrected or deleted. 
XXXX XXXX Account # XXXXXXXX XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX I dispute the late payment record as it is inaccurate. Please verify and correct this information. 
XXXX XXXX Account # XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX The late payment notation is an error. Please update the account to show a perfect payment history. 
XXXX Account # XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX This account has been paid on time. The reported late payment is incorrect and must be corrected. 
XXXX Account # XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX I have no knowledge of this account, nor did I authorize or open any account with this creditor. Please provide full verification or delete it from my report immediately. 
XXXX Account # XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX This charge-off account is not familiar to me. I do not recognize this creditor or any transaction related to this amount. Please investigate and remove this item if it can not be validated. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX I dispute this collection account because I have never had any dealings with this company. Please verify with proper documentation or delete it from my file. 
XXXX XXXX XXXX Account # XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX I have no knowledge of this collection account, and I have never received notice or validation from this company. Please investigate and delete if unverifiable. 
XXXX XXXX Account # XXXXXXXX XXXX  High Balance : {$790.00} Date Opened : XX/XX/XXXX This collection account is completely unknown to me. I have never opened or authorized any account with this creditor. Please delete it from my report. 
XXXX Account # XXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX I have no record of owing any debt to this company. This collection appears to be inaccurate and should be deleted if not fully verified. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} I have no knowledge of this account or any dealings with XXXX XXXX XXXX. Please verify this account with full documentation or delete it from my credit report. 
UNAUTHORIZED CREDIT INQUIRIES These inquiries were made without my authorization or consent. I did not apply for credit with any of the companies listed below on the dates indicated. I request that all unauthorized inquiries be deleted immediately. 
XXXX Inquiry Date : XX/XX/XXXX This inquiry is also unauthorized and must be removed from my report. 
REQUEST FOR CFPB ACTION I respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate these collection accounts and inquiries. 
XXXX. Require verification from the data furnishers that they have a valid and lawful basis for reporting this information. 
XXXX. Ensure deletion of any unverifiable or unauthorized items from all three credit reports. 
XXXX. Hold the furnishers and bureaus accountable for violations of the FCRA and FDCPA. 
I have enclosed supporting documents, including a copy of my photo ID and proof of current address, as well as copies of my previous dispute letters sent to the credit bureaus. 
Thank you for your attention to this matter and for protecting consumers from unlawful credit reporting and data furnishing practices.

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