Consumer complaint received 2025-12-03 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:
To whom it may concern I am filing this complaint because multiple accounts on my credit report are being reported inaccurately, violating FCRA 1681e ( b ) and 1681i. Some accounts falsely show late payments even though I have never made any late payments in my life, and several collection and charge-off accounts are not mine and have no connection to me. These errors continue to harm my credit standing and violate my rights. I request immediate CFPB review and enforcement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} Late Payment * * The late payment history is inaccurate because I have never made a late payment on this account. The inaccurate reporting violates FCRA 607 ( B ) because no maximum-accuracy procedure could produce a false delinquency. Under FCRA 611 I am requesting that this late payment entry be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Late Payment XXXX XXXX  This late payment notation is false because I have always paid on time. Reporting it this way violates FCRA 602A and 607 ( B ). I request correction of this late payment under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : Late Payment * * I have never made a late payment on this account. Listing it as late is inaccurate and incomplete under FCRA 607 ( B ). I request correction under FCRA 611. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Late Payment * * The late payment claim is not accurate. I have no late payment history, and reporting this violates the standards set by FCRA XXXX ( B ). Please correct this under FCRA XXXX. 

XXXX BANK XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Late Payment * * This late payment reporting is false. FCRA 607 ( B ) requires reasonable accuracy procedures, and the current entry does not comply. Please correct this information under FCRA 611. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} Late Payment XXXX XXXX I have never made a late payment on this account. Reporting it otherwise violates FCRA 607 ( B ). I request correction of the entry under FCRA 611. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Late Payment XXXX XXXX The late payment entry is inaccurate because I was never late. This violates FCRA 607 ( B ) and must be corrected under FCRA 611. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Collection * * I have no knowledge of this alleged account. A collection account that can not be verified violates FCRA 611 and 602A, and under FCRA 609 I request the full method of verification. Because I do not recognize this debt, I request immediate deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Collection XXXX XXXX I do not recognize this account and have no record of authorizing or owing this debt. Reporting unverifiable information violates FCRA 607 ( B ) and 611. I request deletion. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Charge Off XXXX XXXX  I have no knowledge of this account. Unverified and unfamiliar accounts violate FCRA XXXX and XXXX ( B ). I request deletion under FCRA 611. 

XXXXXXXX XXXX XXXXXXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$580.00} Charge Off XXXX XXXX  This account is unknown to me and can not be verified by any record I possess. Reporting unverifiable data violates FCRA 607 ( B ). I request deletion under FCRA 611. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Charge Off * * I do not know this account. Because it can not be verified under FCRA 609 and does not meet accuracy requirements under FCRA 607 ( B ), I request deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} Collection * * This collection does not belong to me. It violates FCRA 602A, 607 ( B ), and 611. I request deletion. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection * * I do not recognize this account. Under FCRA 607 ( B ) and 611, unverifiable information must be deleted. I request deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Collection * * This account is unknown to me. It violates FCRA XXXX ( B ) because it lacks accuracy and proper verification. I request deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Collection * * I have no record or knowledge of this alleged account. Under FCRA 602A and 611, unverifiable accounts must be removed. I request deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Charge Off * * This charge-off does not belong to me. FCRA 607 ( B ) and 611 require deletion when accuracy can not be supported. I request deletion. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4900.00} Charge Off * * I have no knowledge of this account. Unverified charge-offs violate FCRA 607 ( B ) and 611. I request deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Charge Off * * This account is unfamiliar to me and can not be verified. Under FCRA 607 ( B ) and 611 it must be deleted. I request deletion. 

XXXX XXXX XXXX XXXX  Date Opened : XXXX/XXXX/XXXX Balance : {$300.00} Charge Off * * I do not know this account, and no verification exists that connects it to me. This violates FCRA 602A, 607 ( B ), and 611. I request deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} Charge Off * * I have no knowledge of this account. The reporting is unverifiable and violates FCRA XXXX ( B ). I request deletion. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Charge Off * * This alleged account does not belong to me. FCRA 607 ( B ) and 611 require removal when accuracy can not be assured. I request deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection * * I do not recognize this debt and have no connection to it. FCRA 607 ( B ) and 611 apply and the account must be deleted.

I request full CFPB investigation and enforcement to ensure all inaccurate, unverified, and harmful reporting is corrected or deleted immediately.

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