Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and unauthorized items on my credit report. After a detailed review, I discovered that my credit report contains entries that are false, misleading, and have caused financial harm. These accounts are reported with late payments, charge-offs, and collections that I dispute and have no knowledge of. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are legally obligated to maintain accurate, complete, and verifiable information. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., protects consumers from inaccurate, misleading, and unverified collection accounts. I request immediate investigation, correction, or deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reporting of late payments on this account. I have never made a late payment on this account, and the reporting is false, misleading, and damaging to my credit. The negative impact of this erroneous information has caused undue hardship in obtaining credit. Under FCRA 1681i, I request that this item be fully reinvestigated and corrected to reflect the accurate payment history, including removal of any late payment not validly reported. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge off I have no knowledge of this account being valid or authorized by me. Reporting a charge-off without verification is a violation of my rights under FCRA 1681i. I dispute the validity of this account and demand deletion unless proper verification and documentation proving my liability are provided. Any failure to verify or provide proper evidence should result in the immediate removal of this charge-off from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$720.00} Date Opened : XX/XX/XXXX Late Payment The late payment status reported for this account is inaccurate. I have never been late on payments, and the negative reporting is erroneous. I request correction of the account to show accurate payment history under FCRA 1681i, and any damaging information be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this collection account. Reporting a collection without my consent or verification is a violation of my rights under both the FCRA 1681i and the FDCPA 1692e. I dispute the validity of this account and request immediate deletion unless proper verification, documentation, and validation of the debt are provided. Reporting unverified debts as collections is misleading, false, and harms my creditworthiness.

These inaccurate and unauthorized accounts have caused significant financial and emotional hardship, affecting my ability to obtain credit and other financial opportunities. I am requesting CFPB to take immediate action to ensure these accounts are fully investigated, corrected, or removed from my credit report in compliance with federal law. I also request written confirmation of the investigation results and actions 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