Consumer complaint received 2025-07-09 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 due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Status : Late Payment LAW ISSUE : FCRA Section 611 and 623 require that any late payment be reported with complete accuracy and verified. If it can not be verified beyond doubt, it must be deleted. 
STORY : I have never received any billing statement indicating delinquency from this creditor and I was not made aware of any overdue balance prior to this reporting. I believe this late payment is being reported in error or without proper notification or validation from the original creditor. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Status : Charge-Off LAW ISSUE : FCRA Section 609 and 623 and FDCPA prohibit reporting of inaccurate or unvalidated charge-offs. If the account can not be validated with full original documentation, it must be deleted. 
STORY : This charge-off has not been verified with the original creditors signed agreement, itemized account history, or documented notice of default. It is damaging my credit profile and appears unverifiable per my direct inquiry to the creditor. I request its immediate removal. 
ACCOUNT : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Status : Late Payment LAW ISSUE : FCRA 623 ( a ) ( 5 ) mandates that furnishers report only complete and accurate data. Any unverifiable information must be removed. 
STORY : This federal education loan is being inaccurately reported with late payments that I was not informed about, and I did not receive any official notices or deferment updates that would explain this derogatory mark. 

ACCOUNT : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Status : Late Payment LAW ISSUE : FCRA Section 609 and 611 entitle me to full verification of this tradeline. Failure to provide verification within the investigation window violates federal law. 
STORY : I have requested full documentation including payment history, deferment letters, and forbearance agreements that would validate this entry. So far, no such records have been provided. Please delete. 

ACCOUNT : DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Status : Late Payment LAW ISSUE : FCRA and Privacy Act violations may apply when reporting federal student loan delinquencies without notice or correct servicer transition records. 
STORY : The servicer transitioned during the COVID-19 relief period and I was under the impression this loan was under forbearance. Reporting late payments under those conditions is misleading and damaging. 

ACCOUNT : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Status : Late Payment LAW ISSUE : Under FCRA 623 ( b ), inaccurate or misleading late payments must be corrected or removed if no supporting documentation exists. 
STORY : Similar to the above, I dispute the validity of these late payments due to a lack of notice, incorrect servicer communication, and the loan status during federal forbearance periods. Please remove if unverified. 

REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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