Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple inaccurate, outdated, and potentially unlawful items appearing on my credit report, and to request your immediate investigation and intervention in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Below is a detailed list of each problematic account and inquiry along with the legal basis for my dispute : XXXX. XXXX -XX/XX/XXXXDate Opened : XX/XX/XXXX High Balance : {$450.00} Issue : Late Payment Reporting I dispute this late payment as inaccurate. I request a detailed verification of the payment history and all supporting documents used to justify the derogatory mark. Under FCRA 1681i ( a ), I have the right to request reinvestigation and removal of inaccurate data. 
XXXX. XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX High Balance : {$750.00} Issue : Late Payment Reporting This late payment is inaccurate and harmful. I have not received proper notice, and this reporting violates my rights under FCRA 1681s-2 ( a ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
3.XX/XX/XXXXDate Opened : XX/XX/XXXX High Balance : {$240.00} Issue : Charged Off This account was not charged off with proper notice or opportunity to cure. The reporting agency has failed to conduct a reasonable investigation per FCRA 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX - # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Issue : Charged Off This account is outdated under FCRA XXXX ( a ) which limits reporting of negative information ( such as charge-offs ) to 7 years. This account opened in XXXX should no longer be reported. 
XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$2200.00} Issue : Collection Account I dispute the validity of this debt. XXXX XXXX XXXX has been known for collecting on time-barred or unverified debts. I request proof of validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
XXXX. XXXX XXXX - # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Issue : Duplicate Collection Reporting This is a duplicate entry of the above XXXX account. This is misleading and violates FCRA 1681e ( b ) which requires accurate reporting. 
XXXX. XXXX XXXX XX/XX/XXXX - # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Issue : Collection Account This debt is unrecognized and may be fraudulent. I demand validation under FDCPA XXXX and request removal if the account can not be verified. 
XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Issue : Collection Account This debt is unknown and unverified. Please remove if not fully validated. Again, I invoke my rights under FDCPA 809.

Unlawful or Suspicious Hard Inquiries The following inquiries were made without my authorization or initiated under suspicious circumstances. These impact my creditworthiness and were done without permissible purpose under FCRA XXXX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX ( Duplicate ) XXXXXX/XX/XXXXXX/XX/XXXX I request these be investigated and removed if no permissible purpose is documented. 
Additional Notes : Some accounts may have resulted from identity theft or clerical errors. 
I have noticed inconsistent addresses associated with my credit report, raising concerns about data integrity. 
The continued reporting of false or unverified information is causing me material harm, including credit denials and emotional distress. 
Requested Action : Immediate deletion or correction of all inaccurate, unverifiable, outdated, or unauthorized items listed above. 
Full reinvestigation and documentation from furnishers. 
Removal of unauthorized hard inquiries. 
Thank you for your assistance in protecting my rights as a consumer.

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