Consumer complaint received 2025-09-19 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 filing this complaint with CFPB due to multiple inaccuracies on my credit report, including late payments, charge-offs, and an unauthorized hard inquiry. The reporting of these items violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to ensure accuracy, completeness, and proper verification of consumer information. I have repeatedly disputed these items with the reporting agencies, yet they continue to appear on my credit report without verification. 

ACCOUNTS DPT EDXXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} | Late Payments * * This account is reporting multiple late payments that are not accurate and do not match my payment history. FCRA 609 ( a ) entitles me to all documents, contracts, and records showing my payment history, yet nothing has been provided despite prior disputes. The bureau is obligated under 611 ( a ) ( 1 ) to conduct a reasonable reinvestigation and correct or delete unverifiable data. Reporting this account with derogatory information lowers my credit score unfairly and damages my creditworthiness. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. Continuing to publish this incorrect data after notice is considered willful noncompliance under 616. I am requesting immediate deletion if no verifiable proof is produced within the statutory 30-day period.

DPT EDXXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Late Payments * * This account contains incomplete and unverifiable late payment data that continues to harm me financially. Under FCRA 607 ( b ), the bureau must follow reasonable procedures to assure maximum possible accuracy of the information it reports. No signed billing statements or original payment records have been provided to substantiate the late payment history. Failure to correct or delete this entry after repeated disputes constitutes negligent noncompliance under 617. This inaccurate reporting has resulted in a reduction of my credit score, higher interest rates, and denial of credit opportunities. The law gives me the right to an accurate consumer file, and if the account can not be fully verified with original source documentation, it must be permanently removed.

DPT EDXXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Late Payments * * This account is being reported with late payments that are not consistent with my records. FCRA 611 ( a ) ( 5 ) requires deletion of any information that can not be verified during the reinvestigation process. Continuing to report this entry without proper verification is a direct violation of federal law. The bureau must contact the original creditor and obtain a full payment history, including dates and amounts of each alleged delinquency. If this proof can not be provided, the entry must be deleted. Failure to act will result in further escalation including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible civil action for damages under 616 and 617. 

DPT EDXXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$4200.00} | Late Payments * * This entry continues to show derogatory marks that are not verified and not supported by documentation. Under FCRA 609 ( c ), I am entitled to a summary of my rights, including the right to dispute and demand verification. The bureau must provide evidence such as original contracts, billing statements, and account histories that prove the accuracy of the late payment reporting. Without such proof, the information must be deleted under 611 ( a ) ( 5 ). By failing to ensure accuracy, the bureau violates 607 ( b ) which requires reasonable procedures for data reporting. This has caused measurable harm by limiting my ability to obtain fair credit terms and must be corrected immediately. 

DPT EDXXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Late Payments * * The reporting of this account is misleading and unfair as no verified documentation of late payments has been supplied. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau is required to reinvestigate disputed information and provide the results to the consumer. No certified evidence has been shown to prove this data is accurate. The continued reporting of unverifiable information violates 623 ( b ) and constitutes negligent noncompliance under 617. I am demanding deletion of this account from my credit file to restore accuracy and compliance with federal law. 

DPT EDXXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$7300.00} | Late Payments * * This account is reporting repeated late payments without proper validation. The FCRA under 602 ( a ) emphasizes the need for fair and accurate credit reporting, and under 623 ( a ) ( 1 ), furnishers must not report information they know is inaccurate. Repeated disputes have not produced any documentation verifying these late payments. Reporting inaccurate information lowers my score and causes harm to my financial standing, which makes this a continuing violation of my consumer rights. I request immediate deletion of this entry if the bureau can not fully verify it with proper records. 

DPT EDXXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Late Payments * * This entry contains late payment data that is incomplete, unverified, and harmful to my credit report. The bureau is required under FCRA 611 ( a ) to perform a reasonable reinvestigation and remove unverifiable information. Continued reporting of this account without proof violates 623 and 607 ( b ), which mandate accuracy and compliance. I am demanding that you either provide the original documentation of my payment history or permanently delete this account to avoid further harm and potential legal liability. 

DPT EDXXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4500.00} | Late Payments * * This account continues to report negative data that can not be verified. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be promptly deleted. The bureau has had more than enough time to reinvestigate and correct this record, yet the account remains unchanged. This failure constitutes willful noncompliance under 616. I am requesting permanent deletion or correction to bring my credit file into compliance with federal law. 

DPT EDXXXX # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Late Payments * * This entry remains inaccurate and unverifiable despite prior disputes. Under FCRA 609 ( a ), I am entitled to know the sources of the information in my credit file. The bureau has failed to provide these sources or original documentation proving the alleged delinquencies. The law is clear that unverifiable data must be deleted under 611 ( a ) ( 5 ). Failure to do so exposes the bureau to civil liability under 616 and 617. I am demanding deletion of this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} * * Chargeoff This account is reporting with inaccurate balance information and possible late payments that are not valid. Under FCRA 1681s-2 ( a ), furnishers must report accurate information and promptly correct any errors once notified. I have disputed this account previously and have not received verification or proof of the reported balance. The failure to provide documentation constitutes a violation of 1681i, which requires deletion of unverifiable information. Continued reporting of incorrect data affects my utilization ratio, credit score, and overall creditworthiness. I am demanding either full verification with proper documentation from XXXX XXXX XXXX XXXX or immediate deletion. Repeated failure to correct this may constitute willful noncompliance under 1681n, entitling me to damages. 

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY This inquiry was not authorized by me and no permissible purpose under FCRA 604 has been provided despite my previous disputes. I have never applied for credit with XXXXXXXX XXXX XXXX on or around this date, nor did I provide written authorization for them to access my credit file. Reporting an inquiry without my consent is a violation of my privacy rights and results in an artificial lowering of my credit score. The continued presence of this inquiry after multiple disputes demonstrates that no proper reinvestigation has taken place under FCRA 611. I demand that this unauthorized inquiry be deleted immediately to prevent further harm and to bring my file into compliance with federal law. 

XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY This is another unauthorized hard inquiry from XXXX XXXX XXXX appearing on my credit file. I have submitted multiple disputes regarding this inquiry, yet it remains without proof of permissible purpose. Under FCRA 604 ( a ) ( 2 ), a credit bureau may only release my file if I have given written instructions or applied for credit neither of which occurred in this case. This inquiry is damaging to my credit profile by making it appear as though I have applied for multiple lines of credit when I have not. Failure to remove this inquiry constitutes negligence and willful noncompliance under FCRA 616, entitling me to damages. I am requesting immediate removal and full compliance with the law. 

XXXX XXXX XXXX XX/XX/XXXX INQUIRY This inquiry was placed without my authorization and is particularly concerning because I have no relationship with XXXXXXXX XXXX XXXX  and have never sought credit, services, or employment from them. Allowing this inquiry to remain is a violation of FCRA 604 ( a ) ( 3 ), which defines permissible purposes for furnishing consumer reports. My repeated disputes have gone unanswered, and the failure to delete this inquiry reflects an unreasonable investigation process under FCRA 611 ( a ). This has harmed my credit standing and gives a false impression of my credit-seeking activity. I require this inquiry to be removed to protect the integrity of my credit file and ensure compliance with federal law. 

I request CFPB to enforce my rights under the FCRA, require the credit reporting agency to conduct a complete and verified reinvestigation, remove all inaccurate information, and delete unauthorized inquiries. Each item listed is inaccurate, unverifiable, or unauthorized, and the reporting agencies have repeatedly failed to comply with federal law. These inaccuracies are damaging my financial reputation, lowering my credit score, and restricting my access to fair credit. CFPB intervention is necessary to ensure compliance with FCRA and protect my consumer rights.

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