Consumer complaint received 2025-09-11 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:
I am submitting this complaint regarding multiple inaccurate, unverified, and potentially unlawful items being reported on my credit reports by the following furnishers and collection agencies. These accounts are causing significant harm to my creditworthiness, and despite my attempts to resolve these issues directly with the reporting entities, they remain unresolved. 

The disputed accounts are as follows : XXXX  XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payment. High Balance : {$390.00}. Date Opened : XX/XX/XXXX. 

XXXX ( Account : XXXX * ) * * Reported XXXX XXXX. XXXX XXXX : {$1900.00}. Date Opened : XX/XX/XXXX. 

XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX. XXXX XXXX : {$890.00}. Date Opened : XX/XX/XXXX. 

XXXXXXXX XXXX  XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment. XXXX XXXX : {$45000.00}. Date Opened : XX/XX/XXXX. 

XXXX  XXXX ( Account : XXXXXXXX XXXX XXXX XXXX Reported Late Payment. XXXX XXXX : {$0.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX. XXXX XXXX : {$20000.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX Reported Late Payment. XXXX XXXX : {$69000.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX  Reported XXXX. XXXX XXXX : {$610.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XXXX. XXXX XXXX : {$540.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX Reported XXXX. XXXX XXXX : {$36000.00}. Date Opened : XX/XX/XXXX. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  Reported XXXX. XXXX XXXX : {$29000.00}. Date Opened : XX/XX/XXXX. 

My Concerns : Many of these accounts appear to be duplicate, unverifiable, or inaccurately reported. For example, XXXX XXXX is reporting multiple large balances under the same account number, which suggests errors or improper reporting. 

Some creditors, including XXXX XXXX, are reporting late payments even though the balance is {$0.00}, which is misleading and inaccurate. 

Several accounts are being reported with late payments despite no verifiable proof being provided by the furnishers. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires furnishers to ensure maximum possible accuracy of the information they report. 

Requested Resolution : I am requesting that the CFPB investigate these accounts and require the furnishers and collection agencies to provide full validation, including original contracts, payment histories, and proof of ownership/assignment of debt. 

Any account that can not be fully validated should be corrected or deleted immediately from all credit bureaus. 

I also request that the duplicate and inconsistent reporting from XXXX XXXX be corrected to prevent misleading and harmful information from continuing to impact my credit profile.

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