Consumer complaint received 2025-10-13 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding several inaccurate and unverified items being reported on my credit report by Experian. These accounts and public records are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior disputes, the reporting agency continues to list false, duplicate, and unverifiable information that has negatively affected my credit standing and financial reputation. 
Below are the specific accounts and issues in question : XXXX XXXX XXXX XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$33.00} This account is being reported as having a late payment which is completely false. I have never been late on any payment with this creditor. The reporting of a delinquency without factual proof is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX ( b ) which requires maximum possible accuracy. There is no supporting evidence from the creditor validating this alleged delinquency. Therefore, this inaccurate mark must be corrected immediately to show an on-time payment history. 
XXXX XXXX Auto Fin XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$20000.00} This account is being reported as a charge-off which I have no knowledge or documentation of. XXXX XXXX has failed to provide any original signed contract, payment history, or documentation verifying that I owed or defaulted on this account. Reporting an unverified charge-off constitutes a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) which requires the credit bureaus to verify accuracy before reporting. I request immediate deletion of this account from my file. 
XXXX XXXX Bank XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$570.00} I have no knowledge of this account and have never received any billing or correspondence related to it. Without proper validation or signed contractual proof, this account can not lawfully remain on my report. Under FCRA XXXX ( a ) ( XXXX ) ( A ), I am requesting a reinvestigation and deletion of this item unless fully verified with original documentation. Reporting unverifiable information violates FCRA XXXX ( a ) ( XXXX ). 
Lead Bank XXXXXXXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$35.00} This accounts late payment status is false and misleading. The creditor has failed to show any legitimate records proving that I missed a payment. Reporting unverified negative information severely impacts my creditworthiness and violates FCRA XXXX ( a ) ( XXXX ) ( A ). I request correction or deletion if no valid proof can be provided. 
First Premier XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$1100.00} I have no knowledge of this account or any agreement with First Premier. No documentation, signed application, or payment record has ever been provided. Under FCRA 611 ( a ) and 623 ( a ) ( XXXX ) ( A ), you must verify the accuracy and ownership of this debt. If it can not be verified through original source documentation, this account must be deleted immediately. 
XXXX Bank XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$6000.00} This reporting is completely inaccurate and unverified. I have never had any financial relationship with XXXX Bank. Reporting false charge-off information without validation is a serious violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX ( b ). I am demanding deletion of this account unless verifiable proof, such as signed agreements and complete payment history, is produced. 
XXXX XXXX XXXX XXXX Charge Off Open Date : XX/XX/XXXX High Balance : {$890.00} This account appears duplicated and unverified. I have no outstanding balance or charge-off with XXXX XXXX XXXX Any continued reporting without documentary proof constitutes willful noncompliance under FCRA XXXX and XXXX, making the reporting agency and furnisher liable for damages. I request immediate removal of this item. 
Fingerhut/WebBank XXXX Late Payment Open Date : XX/XX/XXXX High Balance : {$34.00} This account is being reported with a late payment, which is completely inaccurate. I have never missed or been late on any payments related to this account. Reporting a false delinquency without any verification or documented proof directly violates FCRA 623 ( a ) ( 1 ) ( A ). The furnisher must produce full payment records to substantiate the accuracy of this report. If it can not be verified, this item must be corrected to reflect an on-time payment history under FCRA XXXX XXXX a ). 
XXXX XXXX XXXX XXXX XXXX Collection Date Assigned : XX/XX/XXXX Original Balance : {$510.00} This alleged collection account is being reported inaccurately and without my consent. I have never received any notice or billing statement from XXXX XXXX regarding this balance. Reporting an unverified collection without proper validation documentation such as the original service contract, billing details, or itemized statements is a direct violation of FCRA XXXX ( b ). Additionally, no written notice of collection under FDCPA XXXX ( a ) was ever received. Therefore, this account must be deleted immediately unless full validation is produced. 
Chapter XXXX Bankruptcy XXXX XXXX # XXXX Date Filed : XX/XX/XXXX This public record is being inaccurately reported. I have no knowledge of any bankruptcy filing under this case number. Furthermore, there is no verifiable court record linking me to this filing. Reporting unverifiable or incomplete bankruptcy information constitutes a serious violation under FCRA XXXX ( b ) and XXXX ( a ). Please provide a copy of the court documentation showing the case filing, docket number, and discharge details. If it can not be verified directly with the bankruptcy court, this record must be deleted immediately. 
Chapter XXXX Bankruptcy Dismissed Case # XXXX Date Filed : XX/XX/XXXX This is yet another variation of the same bankruptcy case number being listed multiple times. Such repetition and inconsistent reporting reflect serious negligence in data management. This inaccurate and unverified information must be removed immediately, as it violates FCRA XXXX ( b ) ( accuracy ) and XXXX ( a ) ( XXXX ) ( A ) ( duty to report correct data ). 
Requested Resolution : I respectfully request that the CFPB investigate these inaccurate and duplicate entries. Experian has failed to comply with federal law by continuing to report unverifiable, duplicate, and misleading information. I am asking that : All false, unverified, and duplicate accounts be removed from my credit report immediately. 
Experian be required to provide documented proof of verification for each disputed account or public record. 
I receive written confirmation once the corrections and deletions are made. 
These inaccuracies have caused significant harm to my credit reputation, emotional distress, and denial of credit opportunities. I trust that the CFPB will take appropriate regulatory action to ensure Experian complies with the Fair Credit Reporting Act and corrects these serious violations. 
Thank you for your attention to this matter. I look forward to your written response and confirmation of action taken.

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