Consumer complaint received 2025-05-30 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report numerous inaccurate or improperly reported derogatory tradelines that continue to appear on my credit report, despite prior disputes. These accounts reflect charge-offs and late payments that I do not recognize or that are inaccurately reported. Furthermore, several entries appear to lack validation and may include duplicated or artificially extended derogatory reporting periods, constituting violations of the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Reported as charged off with a balance of {$14000.00}, opened on XX/XX/XXXX. I dispute the accuracy of this charge-off. No documentation or original creditor validation has been provided. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX Late payments are reported on this {$13000.00} account opened XX/XX/XXXX. The payment status is inconsistent with my records, and my previous disputes have not been resolved or acknowledged. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX Reported as late on a {$2100.00} balance opened on XX/XX/XXXX. No verification has been provided to substantiate the delinquency. The furnisher has failed to fulfill its duty under FCRA 623. 
XXXX XXXX  Account # XXXX XXXX  Reported as charged off with a high balance of {$27000.00}, opened XX/XX/XXXX. This is an unusually large charge-off that I do not recognize, and no validation or correspondence has been received despite disputes. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Late payments reported on a {$2500.00} balance opened XX/XX/XXXX. This entry appears to reflect extended or duplicated delinquencies. I dispute both the frequency and accuracy of the reporting. 
XXXX Account # XXXX XXXX XXXX  This appears to be a duplicate or conflicting version of the prior " Servicing Solutions '' account, reporting a last payment date of XX/XX/XXXX ( a future date ), with a high balance of {$2500.00}. The future date alone indicates a major reporting error and must be corrected or deleted. 
XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Reported as a charge-off on a {$19000.00} account opened XX/XX/XXXX. I dispute this entry and have not received any verification from the creditor or credit bureau. 
XXXX XXXX  Account # XXXXXXXX XXXX  This appears to be a second, nearly identical XXXX XXXX account with late payments on a {$26000.00} balance, opened XX/XX/XXXX. I suspect this may be a duplicate entry, and it is not supported by documentation. 
Legal Concerns and Harm : These tradelines have resulted in substantial harm to my creditworthiness, including credit denials, elevated interest rates, and emotional distress. The continued reporting of inaccurate, unverifiable, or duplicative accounts violates FCRA 607 ( b ) ( maximum possible accuracy ), 611 ( reasonable reinvestigation ), and 623 ( furnisher responsibilities ). The presence of a future-dated payment alone clearly reflects negligent or automated reporting errors.

Requested Resolution : I request that the CFPB assist in compelling the relevant credit bureaus and furnishers to : Immediately reinvestigate all disputed tradelines Provide original creditor validation for each account Remove or correct any information that can not be fully substantiated Confirm in writing the outcome and provide an updated copy of my credit report If these items remain unresolved, I will pursue further action with the FTC, State Attorney General, and through legal channels for damages under FCRA 1681n and 1681o.

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