Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, This is a formal complaint against the credit reporting agencies and furnishers who have reported inaccurate addresses, unauthorized inquiries, and damaging accounts on my credit file. I believe these errors are the result of negligence, inaccurate reporting practices, possible identity theft, or mixed file issues. Despite prior disputes, these harmful entries remain unresolved. I am now submitting this complaint to the CFPB to seek resolution under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment reported inaccurately. 
Law : FCRA 1681s-2 mandates accurate furnishing of data.

Story : I was enrolled in an automatic payment system. Despite payments being made, XXXX reported a late payment, which was a result of their processing error, not my negligence. They failed to notify me properly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$470.00}, Date Opened : XX/XX/XXXX ) XXXX XXXX Issue : Reported late payment that is inaccurate. 
Law : FCRA 1681i right to dispute inaccurate information.

Story : I was actively participating in credit-building and had no knowledge of any late payment. I was under financial hardship and requested assistance which was not acknowledged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account reported without proper validation. 
Law : FDCPA 809 & FCRA 609 consumer has the right to debt validation before collection reporting. 
Story : I never received any notice of debt. I have never seen a bill or letter for this debt. This collection entry blindsided me, hurt my credit score, and I strongly believe its not mine. 
XXXX XXXX XXXX XXXX XXXX ( High Balance : {$620.00}, Date Opened : XX/XX/XXXX ) * * Issue : Unauthorized collection entry. 
Law : FDCPA 807 ( false or misleading representation ) and FCRA 1681b. 
Story : I was never contacted by this agency, and they have failed to provide any documentation or signed agreement linking me to this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$1200.00}, Date Opened : XX/XX/XXXX ) XXXX XXXX Issue : Reported collection without consumer consent or awareness. 
Law : FCRA 609 ( a ) ( XXXX ) consumer has a right to full information. 
Story : This account seems suspicious. I never agreed to any financial product from this company, and I believe this may be the result of identity misuse or third-party fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$2100.00}, Date Opened : XX/XX/XXXX ) * * Issue : Incorrect late payment during COVID-19 hardship period. 
Law : CARES Act & FCRA 602.

Story : I had communicated my financial hardship and believed I was placed under forbearance. The late payment reported anyway is both incorrect and unfair. 
XXXX XXXX XXXX XXXX * ( High Balance : {$50.00}, Date Opened : XX/XX/XXXX ) * * Issue : Charge Off of an account that was not mine. 
Law : FCRA 609 right to receive evidence of the debt.

Story : I never borrowed or received any service from this lender. I suspect identity theft or data confusion. They failed to validate the debt when contacted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported incorrectly. 
Law : FCRA 1681s-2 duty to report accurate data. 
Story : I was promised automatic debits and paperless service. A technical error occurred on their side, and they penalized me with a late payment despite my account having sufficient funds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment inaccurately reported. 
Law : FCRA 611 failure to investigate. 
Story : I requested payment support and was promised grace, yet they reported a late payment which severely damaged my profile unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Multiple late payments reported inaccurately. 
Law : FCRA 1681s-2 and 611.

Story : These late payments all occurred during a period when I was facing financial hardship, and I had contacted XXXX multiple times requesting extension or deferment. They failed to honor their commitment and instead damaged my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection reporting without any communication or proof. 
Law : FDCPA 809, FCRA 611.

Story : I do not recognize this debt. I never received any communication or opportunity to dispute it. 
UNAUTHORIZED CREDIT INQUIRIES : All listed inquiries ( below ) were made without my consent or written authorization, which is required by law. 
Law : FCRA 604 permissible purpose required for pulling consumer reports. 
List : XXXX XX/XX/XXXX ( twice ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Story : I did not authorize these inquiries. Many were triggered without my knowledge or interaction, which has lowered my credit score and exposed my data without my permission.

Final Statement & Request Due to the severe and harmful nature of these inaccuracies, I request the CFPB to : Investigate all the unauthorized inquiries Remove the wrong addresses permanently Fully validate or remove the inaccurate accounts Ensure all reporting complies with FCRA and FDCPA Prevent further harm to my credit standing I am suffering reputational, emotional, and financial hardship due to this false information. I respectfully urge you to enforce compliance and hold the reporting agencies and furnishers accountable. 
Thank you for your time and assistance in correcting these errors.

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