Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
To Whom It May Concern, This complaint is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), to formally demand the Consumer Financial Protection Bureaus intervention regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports with all three major consumer reporting agencies ( Equifax, Experian, and TransUnion ). These accounts contain late payment notations, charge-offs, and derogatory marks that are either the result of reporting errors, misrepresentation of facts, or lack of proper validation and documentation as required by federal law. I have disputed these accounts with the credit bureaus and the furnishers of information, yet the inaccurate reporting persists in violation of FCRA 1681i ( Reinvestigation of Disputed Information ), 1681s-2 ( Responsibilities of Furnishers to Provide Accurate Information ), and 1681e ( b ) ( Requirement for Maximum Possible Accuracy ). My life, financial opportunities, and credibility have been severely affected due to these inaccurate reports, causing emotional distress, denial of credit, and higher interest rates. The persistence of these accounts without proper investigation or validation constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o. I am requesting the CFPB to investigate and take corrective action to ensure immediate deletion of the following accounts from my credit files : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is not associated with my residence history and should not be listed on my credit file. 
Law : FCRA 607 ( B ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
Story : I have never resided at the address in question. The inclusion of this address suggests either a mixed file error or identity confusion. Retaining incorrect addresses on my file increases the risk of my credit report being associated with accounts or activity that are not mine. This could have a direct negative impact on my creditworthiness and the integrity of my report. I demand its immediate removal. 
Account : KIKOFF, Account # CLRIJS * *, Date Opened : XX/XX/XXXX, Balance Owed : {$20.00}, Status : Late Payment * * Issue : This account is reporting a late payment that is inaccurate and should be corrected. 
Law : FCRA 607 ( B ) and 611 require that all information reported must be accurate and verifiable. 
Story : I have consistently maintained my obligations on this account, and there is no record in my possession showing a missed or late payment for the date reported. The reporting of a delinquency where none exists damages my payment history and artificially lowers my credit score. This is misleading to potential lenders and violates the accuracy standards under the FCRA. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1100.00}, Status : Chargeoff * * Issue : The reported charge-off is inaccurate and not supported by verifiable evidence. 
Law : FCRA 607 ( B ) requires maximum possible accuracy, and 611 obligates you to delete unverifiable information. 
Story : I have never received any formal notice of charge-off, nor have I been provided proof of default that meets legal requirements. This account may be reflecting a balance and status that is either the result of clerical error or reporting beyond the legally permissible timeframe. Without proper documentation, the continued reporting of this charge-off is unlawful and harmful to my creditworthiness. 
Account : XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$2000.00}, Status : Late Payment * * Issue : The late payment reported is inaccurate. 
Law : FCRA 607 ( B ) and 611 mandate the removal of inaccurate or unverifiable information.

Story : The alleged delinquency is not supported by any billing statement or transaction record in my possession. I dispute the accuracy of this entry and request that you obtain and provide full payment records. If such records can not be produced, this late payment notation must be deleted to ensure the accuracy of my credit report. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Status : Late Payment * * Issue : Reporting of a late payment on a {$0.00} balance account is inaccurate. 
Law : FCRA 607 ( B ) requires accuracy in all credit reporting. 
Story : This account shows a {$0.00} balance, meaning there was no amount due that could have been paid late. Such reporting is logically inconsistent and materially misleading to anyone reviewing my credit file. This error must be corrected or deleted immediately. 
Account : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Status : Late Payment * * Issue : Late payment reporting is false and unverifiable. 
Law : FCRA 607 ( B ) and 611. 
Story : Similar to the XXXX entry, the account shows a {$0.00} balance. There was no obligation to pay that could have been late. Reporting a delinquency under such circumstances is an error that unfairly impacts my payment history and must be corrected. 
Account : XXXX, Account # XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Status : Late Payment * * Issue : Inaccurate late payment reporting. 
Law : FCRA 607 ( B ) and 611. 
Story : The reporting of a late payment on an account with no outstanding balance is factually impossible. This is likely a data entry error that must be removed to ensure compliance with the law. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Status : Late Payment * * Issue : Alleged late payment is inaccurate. 
Law : FCRA 607 ( B ) and 611. 
Story : I have reviewed my own loan records and found no instance of a delinquency matching the reported date. Without verifiable payment history to substantiate the claim, this entry must be removed. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$4000.00}, Status : Late Payment * * Issue : Reported late payment is not supported by accurate records. 
Law : FCRA XXXX ( B ) and XXXX. 
Story : I dispute the alleged delinquency and request complete payment records from the original creditor. In the absence of verifiable proof, this information must be deleted from my file. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$4500.00}, Status : Late Payment * * Issue : Same as above ; inaccurate reporting of delinquency. 
Law : FCRA 607 ( B ) and 611. 
XXXX : This account appears to have been duplicated and inaccurately reported. Duplicate and unverifiable late payment data misrepresents my payment history and must be corrected. 
Account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00}, Status : Late Payment * * Issue : Unverified late payment reporting. 
Law : FCRA 607 ( B ) and 611. 
Story : I maintain that I have never been late on this account. Without a detailed billing history showing otherwise, this entry is invalid. 
Account : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$80.00}, Status : Late Payment * * Issue : Alleged late payment is inaccurate. 
Law : FCRA 607 ( B ) and 611. 
XXXX : The account was paid as agreed, and no legitimate delinquency occurred. I demand removal of this false notation. 
Account : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$76.00}, Status : Chargeoff * * Issue : Unverified charge-off. 
Law : FCRA 607 ( B ) and 611. 
Story : I have never been informed by XXXX of a charge-off, nor provided evidence supporting it. Without such verification, the entry must be deleted. 
Account XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$390.00}, Status : Collection * * Issue : Inaccurate and unverifiable collection entry. 
Law : FCRA 607 ( B ) and 611. 
Story : I have no record of this debt and have not been contacted by the collection agency. This is likely a mistaken or fraudulent entry and must be removed if not verified. 
Inquiry : XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA 604 ( a ) ( 3 ) states that inquiries must be permissible and authorized by the consumer. 
Story : I did not apply for credit with XXXX XXXX XXXXXXXX on the date listed, nor did I authorize this inquiry. It should be removed to prevent negative scoring impact. 
Inquiry : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( XXXX ). 
Story : I have no relationship with XXXX  and never applied for credit with them. This inquiry is improper and should be deleted. 
Inquiry : XXXX XXXX XXXX, Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ). 
Story : I did not authorize or initiate this credit check. No permissible purpose exists for this inquiry. 
XXXX : XXXX XXXX, Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( XXXX ). 
Story : I did not seek financing with XXXX on the date in question. This inquiry must be deleted. 
XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 3 ). 
Story : I have no record of initiating any transaction requiring this inquiry. Remove immediately. 
XXXX : XXXX XXXX, Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( XXXX ). 
Story : This inquiry is unrelated to any credit-seeking activity on my part and must be deleted. 
These accounts have been repeatedly disputed with the credit bureaus and furnishers, yet they remain without proper corrections, which is a direct violation of my consumer rights under the FCRA and FDCPA. The continued inaccurate reporting is causing ongoing harm including denials of credit, increased interest rates, emotional distress, and reputational damage. I respectfully request the CFPB to take immediate enforcement action to require the deletion of these accounts from my credit reports, compel the furnishers to cease reporting unverifiable and inaccurate information, and hold the involved parties accountable for these violations.

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