Consumer complaint received 2025-06-06 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: WA

Complaint narrative:
I am submitting this complaint against multiple furnishers and credit reporting agencies due to inaccurate, outdated, and misleading information being reported on my credit file. These inaccuracies include XXXX payments, XXXX, collections, and XXXX inquiries, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX. 

Accounts in Dispute & Issues XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate reporting ; FCRA XXXX ( b ) Failure to ensure maximum accuracy. 
XXXX. XXXX  Account XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Issue : XXXX Payments Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) ; XXXX  reporting despite timely payments or rehabilitation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) * * Issue : XXXX Violation : FDCPA XXXX Misleading representations ; FCRA XXXX Failure to correct inaccurate info after dispute. 
XXXX. FXXXX Account # XXXX XXXX XXXX XXXX XXXX  Issue : XXXX Violation : FCRA XXXX Unverified and outdated XXXX XXXX affecting my credit unfairly. 
XXXX. XXXX  Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX at XXXX XXXX A ) Issue : Collection Violation : FCRA XXXX ( b ) ; FDCPA XXXX Debt not properly validated after dispute. 
XXXX. XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Violation : FCRA XXXX ; FDCPA XXXX Attempting to collect on a debt not validated and potentially already paid or expired. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate Reporting ) * * Issue : Duplicate Collection Violation : FCRA XXXX ( b ) ; reporting same account multiple times, which is misleading and inaccurate. 
XXXX. XXXX XXXX Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Issue : Collection Violation : FCRA XXXX ; FDCPA XXXX Collection reporting without proper validation or notice. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) * * Issue : Collection Violation : FDCPA XXXX Medical debt reported without adequate itemization or billing statements. 

Inaccurate and Unauthorized Credit Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized or XXXX inquiries without my consent or permissible purpose. 
Violation : FCRA XXXX ( a ) ( XXXX ) Lack of permissible purpose for obtaining my credit report. 

Narrative/ XXXX XXXX : I have reviewed my credit reports and found multiple inaccurate and harmful entries that do not reflect my actual payment behavior or financial status. Many of these accounts have been reported as collections XXXX XXXX without sufficient validation, and in some cases, the same account is reported more than once by different agencies. Additionally, several credit inquiries appear to have been made without my authorization or any permissible purpose. 
These actions have resulted in a significant XXXX impact on my creditworthiness, affecting my ability to obtain housing, employment, and financial products. I have contacted the credit bureauXXXX and the furnishers regarding these issues and have not received any meaningful resolution. 
I am requesting that the CFPB investigate these matters and hold the responsible furnishers and agencies accountable. I also request that the inaccurate information be deleted or corrected as required under the law. 

XXXX XXXX : XXXX deletion or correction of the inaccurate and unverified accounts listed above. 
Removal of unauthorized credit inquiries. 
Written confirmation from each furnisher that the disputed information has been corrected or removed. 
Sanctions or enforcement action if any party is found to be willfully violating the FCRA or FDCPA. 

Thank you for your time and assistance in protecting my rights under federal consumer protection laws.

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