Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am submitting this complaint to report inaccurate, outdated, and unverifiable information currently appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite formally disputing these accounts with both the credit bureaus and original creditors, the following derogatory information remains and continues to damage my credit profile : NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account reflects 90-day delinquencies and an active past-due balance despite being settled via insurance. A duplicate entry shows the account as closed and paid. 
- Alleged Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct # XXXX XXXX XXXX XXXX XXXX Reports two late payments with no verifiable supporting documentation. These derogatory marks were never properly validated. 
- Alleged Violations : FCRA 1681s-2 ( b ), 1681i ( a ), 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One isolated late payment continues to appear despite the account being in good standing and fully resolved.

- Alleged Violations : FCRA 1681s-2 ( a ), 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows 60-day delinquency and past-due amount, but creditor is unreachable, and reinvestigation yielded no evidence. 
- Alleged Violations : FCRA 1681s-2 ( a ), 1681e ( b ), 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed account continues to report four late payments. Furnisher marked previous dispute as resolved with no written outcome or verification. 
- Alleged Violations : FCRA 1681s-2 ( b ), 1681e ( b ) 6. * * Dept. of Education/ XXXX XXXX XXXX ( Multiple Tradelines ) * * - These XXXX loan accounts are closed, transferred, or paid but continue to appear as multiple duplicate entries. No late payments exist, yet they are negatively impacting credit mix and artificially inflating account count. 
- Alleged Violations : FCRA 1681c ( a ) ( 4 ), 1681e ( b ) UNAUTHORIZED OR UNVERIFIED HARD INQUIRIES : In addition to the negative account data above, I am also disputing several hard inquiries that were made without my authorization or valid permissible purpose. These inquiries have no accompanying application or signed consent, and in some cases, I have never engaged with the listed entities : 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 XXXXXX/XX/XXXX Under * * FCRA 1681b ( f ) * *, a consumer reporting agency may not furnish a credit report unless the entity obtaining it has a legitimate business need and a permissible purpose. These inquiries appear unauthorized and were not initiated by me.

I have made several good faith attempts to resolve these issues directly through formal dispute letters and reinvestigations. However, these inaccurate accounts and inquiries remain unresolved. This pattern of reporting demonstrates a failure to maintain maximum possible accuracy and an apparent disregard for my rights under the FCRA.

I am requesting that the FTC investigate these matters for potential systemic violations and ensure compliance among the involved furnishers and credit reporting agencies. I am concurrently submitting supporting evidence to the Consumer Financial Protection Bureau and may seek private remedies under FCRA 1681n if these matters remain unresolved.

Thank you for your attention and assistance in this matter.

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