Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint and Dispute of Inaccurate Credit Reporting Prepared For : XXXX XXXX To Whom It May Concern, I am filing this formal complaint against Experian, XXXX, and XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by reporting inaccurate and unverifiable information on my consumer credit file. 
I recently obtained a copy of my credit report ( dated XX/XX/year> ), and I dispute the following accounts and entries as inaccurate, incomplete, or not verifiable : XXXX XXXXXXXX XXXX XXXX Account # XXXX Reporting multiple late payments and a past-due balance. I dispute the accuracy of these alleged delinquencies and request full validation. 


XXXX XXXX Account XXXX XXXX Reporting a past-due amount and a 30-day late mark. I dispute the accuracy of this entry as it is inconsistent with my payment records. 


XXXX XXXX Account # XXXX Reporting a 60-day delinquency. This account is inaccurate and requires re-investigation. 


XXXX Account XXXX XXXX Reporting a late payment and a past-due balance. I dispute this reporting as inaccurate. 


XXXX Account # XXXX Reporting a past-due balance and late payment in XX/XX/year>. This information is unverifiable and requires correction. 


XXXX  XXXX ( Closed Account ) Account # XXXX Reporting as charged-off with XXXX potentially harmful months. I dispute this as the balance and status are not being reported accurately or in compliance with FCRA 605 ( a ). 


Additionally, several of my accounts contain inconsistent or misleading data regarding balances, payment history, and status updates that harm my creditworthiness. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others showing usage above 100 % and inaccurate dates of last payment.

Under FCRA 609 and 611, I am requesting : Verification of each disputed account, including original signed contracts, payment history records, and documentation proving accuracy.

Immediate deletion of any account or tradeline that can not be fully verified. 


Correction of any inaccurate balance, payment history, or status information. 


Please be advised that continued reporting of unverifiable or inaccurate information constitutes willful noncompliance under FCRA and may result in legal action. 
Enclosed are copies of my credit report with the disputed accounts highlighted, along with proof of identity and address. 
I request that the CFPB investigate these matters promptly and ensure that the credit bureaus and furnishers comply with federal law. Please provide me with written confirmation of the results of your investigation. 
Thank you for your attention. 
Respectfully, Signature : XXXX XXXX : XXXX XXXX

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