Consumer complaint received 2025-06-27 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 writing to formally dispute multiple inaccurate and derogatory items appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( A ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account or information about me without my written instructions. Furthermore, 15 U.S.C. 1666b specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received on or before the due date. These rights ensure that my credit information must be handled with accuracy, fairness, and only with proper authorization. 

The following accounts and inquiries contain errors, outdated negative information, or unverifiable data that violate these provisions, FCRA Section 607 ( B ) ( requiring maximum possible accuracy ), and the Metro 2 Credit Reporting Resource Guide, which mandates timely, accurate, and complete reporting by furnishers. 



XXXX XXXX XXXX XXXX XXXX ( Request for Deletion ) The following XXXX XXXX XXXX student loan accounts are reported as severely delinquent, showing over 120 days past due, which significantly harms my credit profile. These accounts may not accurately reflect deferments, forbearances, disputes, or current repayment status and therefore violate FCRA standards and Metro 2 codes requiring correct reporting of student loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request : Pursuant to FCRA 611 ( right to dispute inaccurate information ) and Metro 2 guidelines, I request removal of these accounts and their derogatory marks from my credit report. 



* XXXXXXXX XXXX  ( Account XXXX ) Request for Late Payment Removal My open XXXX Card account shows XXXX late payments ( XXXX XXXX lates and XXXX XXXX late from XXXX ) despite having a consistent payment record since then. Under 15 U.S.C. 1666b, if a payment is made on or before the due date, it can not be treated as late for any purpose. These outdated late payments no longer reflect my creditworthiness and should be removed. 



Hard Inquiries Request for Removal The following hard inquiries were not authorized with my written instructions, violating 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ( requiring consumer consent for furnishing credit information ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request : Delete these unauthorized hard inquiries immediately. 



Summary of Request I am disputing these negative and inaccurate items on my credit report and requesting : Deletion of the listed XXXX XXXX XXXX accounts. 
Removal of the late payments on the XXXX XXXX account ending in * XXXX. 
Removal of the unauthorized or inaccurate hard inquiries. 

This request is made under my rights granted by FCRA Sections 602 ( A ), 604 ( a ) ( 2 ), 607 ( B ), 611, 15 U.S.C. 1666b, and the Metro 2 Credit Reporting Resource Guide, all of which require accuracy, privacy, and proper authorization in credit reporting.

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