Consumer complaint received 2025-10-28 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: NM

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies being reported on my credit file that are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information below represents accounts that are falsely reported, unverified, and have not been properly investigated despite previous disputes. These actions have resulted in damage to my creditworthiness, emotional distress, and financial harm. 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment This account continues to report incorrect late payments that do not reflect accurate payment history. I have provided prior disputes showing inconsistency in the dates and reporting periods. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information known to be inaccurate. Failure to correct this after multiple disputes is a clear violation, and it demonstrates negligence in maintaining accuracy as required by 1681e ( b ). 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment This account reflects alleged delinquencies during a period of administrative forbearance. Under the CARES Act and FCRA 1681s-2 ( a ) ( 1 ) ( B ), such reporting is prohibited when payments are suspended or deferred. Reporting lates during that period is unlawful and damaging. This error must be corrected or deleted immediately as no verifiable evidence supports the current status. 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment The information being reported is inconsistent across credit bureaus, indicating unreliable data handling and violation of FCRA 611 ( a ) ( 5 ) ( A ). Each bureau must ensure uniform and verified information. This accounts late payment history appears fabricated and unsupported by any documentation provided upon prior requests. I demand immediate deletion as the continued reporting violates my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXXXXX XXXX XXXX XXXX : Charge Off This account reflects an unlawful charge-off that was never properly verified. The company failed to provide validation of the debt, violating FCRA 609 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ). Without proper verification and written evidence showing the accuracy of the balance and dates, the account must be deleted from my credit report to maintain compliance with the FCRAs accuracy requirements. 

The continuous reporting of these inaccurate items violates federal consumer protection laws. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters and take appropriate enforcement action to ensure compliance with all applicable sections of the FCRA and FDCPA. I further request the immediate deletion or correction of the false information and a written confirmation of the resolution.

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