Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am writing to formally address serious inaccuracies and violations of federal consumer protection laws within my credit file maintained by EXPERIAN. Under the Fair Credit Reporting Act ( FCRA ), all consumer reporting agencies are required to ensure maximum possible accuracy when reporting consumer information. However, EXPERIAN has failed to uphold this responsibility by continuing to publish false and misleading data that directly harms my financial standing. Specifically, XXXX  XXXX  XXXX, opened XX/XX/XXXX with a balance of {$130.00}, is being reported as having a 30-day late payment in XX/XX/XXXX. This reporting is inaccurate and presents a misleading picture of my payment history. Federal law prohibits the reporting of erroneous and unverified information, yet EXPERIAN continues to display this flawed data. These failures constitute a violation of my rights under both the FCRA and related federal statutes. 

In addition, EXPERIAN is reporting late payment inaccuracies with XXXX  XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX. This account is being displayed with 60-day and 90-day late payments that are unverified and not supported by my records. This misreporting is damaging to my credit profile and affects my ability to secure fair lending opportunities. Under FCRA Section 607 ( b ), credit reporting agencies must implement reasonable procedures to assure accuracy, yet EXPERIAN has clearly failed in this duty. When an agency reports false late payments without proper investigation or verification, it undermines consumer rights and constitutes willful noncompliance. Such negligent actions fall under federal violations that warrant immediate correction and removal of the inaccurate data. Continued reporting of this erroneous information demonstrates a reckless disregard for the law.

Furthermore, multiple accounts from DEPARTMENT OF EDUCATION XXXX XXXX, including accounts ending in XXXX, XXXX, XXXX, and XXXX, are being inaccurately reported with 90-day late payments for XX/XX/XXXX and 120-day late payments for XX/XX/XXXX. These accounts, opened between XXXX and XXXX with balances ranging from {$820.00} to {$2500.00}, are being displayed with severe derogatory remarks that are not consistent with accurate reporting obligations. EXPERIANs presentation of these accounts as closed/120 days late when the dates of delinquency and reporting are flawed demonstrates a pattern of systematic errors. Federal law requires that information furnished and published must be complete and correct. By publishing unverified derogatory information, EXPERIAN is creating a materially misleading credit profile that has direct financial consequences. This is a violation of both statutory obligations and consumer protection safeguards. 

It is important to highlight that EXPERIAN has a legal obligation to conduct a thorough reinvestigation of disputed accounts under FCRA Section 611. The continued reporting of inaccurate information despite disputes being raised demonstrates a failure to comply with these legal requirements. A proper reinvestigation should include verifying the accuracy of reported late payments and ensuring that outdated or unverifiable information is removed. When an agency fails to meet this duty, it not only disregards consumer rights but also demonstrates a willful pattern of noncompliance with federal law. Such actions result in financial harm by lowering creditworthiness, increasing interest rates, and damaging personal and professional opportunities.

For resolution, I am demanding that EXPERIAN immediately delete or correct the inaccurate reporting on all the listed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the DEPARTMENT OF EDUCATION XXXX XXXX accounts ending in XXXX, XXXX, XXXX, and XXXX. Failure to address these inaccuracies in a timely and lawful manner will be deemed as willful noncompliance with federal law. I request that EXPERIAN provide written confirmation of corrections or deletions within the timeframe established by law. Should EXPERIAN continue to publish inaccurate data, it will be clear evidence of reckless disregard for my rights under the FCRA. Immediate compliance is required to restore the accuracy and integrity of my consumer credit report. I expect no less than full adherence to the obligations imposed on EXPERIAN by federal law.

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