Consumer complaint received 2025-07-27 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: NM

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment XXXX XXXX  Issue : This account is reporting a late payment inaccurately which is damaging my credit profile. 
Law : Under FCRA Section 607 ( b ), furnishers must maintain maximum possible accuracy. 
Story : I was placed in an approved deferment/forbearance plan due to financial hardship during the pandemic period, and the servicer failed to properly update this status. The reported late mark is not only misleading but also unfair considering my communication and agreement with XXXX at that time. I demand full reinvestigation and correction or deletion of the inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Late Payment XXXX XXXX  Issue : Inaccurate late payment reporting is affecting my credit. 
Law : FCRA Section 611 requires the bureau to reinvestigate any information the consumer disputes as inaccurate or incomplete. 
Story : During the time in question, I had an active deferment which was acknowledged by XXXX and should have been updated accordingly. The failure to report the forbearance caused a negative mark that is misleading and incorrect. Please remove or correct immediately based on this error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment XXXX XXXX  Issue : Late payment reported during an approved forbearance period. 
Law : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know is inaccurate. 
Story : XXXX placed me in a temporary relief program, and during that period I was not required to make payments. The current reporting is unjust and reflects an account status that contradicts the agreed terms. I request immediate reinvestigation and deletion if this error can not be verified correctly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Chargeoff XXXX XXXX  Issue : This charge-off is inaccurate and unverifiable. 
Law : FCRA Section XXXX ( a ) ( XXXX ) gives me the right to request and obtain all documentation used to verify this account. 
Story : I never received proper billing or notice of default before this account was charged off. I also never received a detailed itemized statement or validation. I believe this account may be the result of identity confusion or reporting error. I dispute its accuracy and request complete documentation or full deletion. 

These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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