Consumer complaint received 2025-08-09 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 submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Requires accuracy, proper verification, and prompt correction or deletion of disputed information Issue : Account is reporting late payment history that is inaccurate and unverifiable, harming my creditworthiness Story : I have never received verifiable documentation from the furnisher proving the alleged late payment ; the reporting is inconsistent with my payment records, and under the FCRA you must remove any unverifiable or inaccurate information after reinvestigation ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Furnishers must report accurate information and bureaus must delete unverifiable data Issue : This charge-off is being reported without complete and verified records of the alleged debt and payment history Story : I have requested multiple times for documentation validating this account ; your prior investigation failed to provide original creditor records, which violates the verification requirement ; unverifiable information must be deleted immediately ACCOUNT : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Ensures maximum possible accuracy and mandates deletion of unverifiable information Issue : Late payment status is reported inaccurately and does not match the loan servicers provided statements Story : Payment history records I possess do not reflect the reported lateness ; without verifiable and consistent evidence from the furnisher, this listing is inaccurate and must be removed as per the FCRA requirements ACCOUNT : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Requires accurate reporting and complete verification Issue : The reported late payment is disputed due to mismatched dates and amounts between my records and the report Story : Despite my previous dispute, no original signed agreement or detailed payment ledger was provided ; without such proof, the item can not be deemed verified and must be deleted ACCOUNT : DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Mandates that credit bureaus ensure the accuracy of consumer reports Issue : Inaccurate late payment reporting is damaging my credit profile Story : I have already informed you that my payment records do not reflect such lateness ; no original creditor validation has been presented to support the derogatory entry, requiring its removal under the FCRA ACCOUNT : DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) Obliges deletion of unverifiable or inaccurate information Issue : Late payment notation is incorrect and unsupported by verifiable evidence Story : The records I have clearly show timely payments ; the absence of proper documentation from the original lender after dispute means you are legally required to delete this account entry The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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