Consumer complaint received 2025-10-26 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 CFPB Representative, I am filing this formal complaint against multiple creditors and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit report. These actions have caused severe damage to my credit reputation and emotional distress. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies continue to appear, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 602, 607, 609, 611, and 623. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Chargeoff I have no record or recollection of ever opening or authorizing any account with this creditor. This account appears to be a clear case of identity confusion or reporting error. I am demanding full verification, including a copy of the original signed contract and application, or immediate deletion under FCRA 611 and 623. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Chargeoff This account is being falsely reported as a charge-off even though I never had any financial relationship or authorization with this lender. There is no supporting evidence proving my responsibility. As per FCRA 602 and 607 ( b ), unverifiable information must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported late payment is inaccurate and damaging. I have never missed or delayed any payment. This report reflects a serious inaccuracy and violates the FCRAs requirement for maximum possible accuracy. Please correct the history to show Paid as Agreed or delete the account if proper documentation can not be produced. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$310.00} Late Payment I dispute the late payment marking because I have never been late. This appears to be a system reporting error. FCRA 623 ( a ) ( 1 ) ( A ) clearly prohibits the furnishing of information known to be inaccurate. Please correct immediately. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Late Payment The late payment being reported is false and misleading. I always paid on time, and no documentation exists proving otherwise. This is a violation of the FCRA and must be rectified or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reporting of late payment on an account showing a {$0.00} balance is inconsistent and inaccurate. There is no lawful reason to show delinquency on a closed or paid account. Please remove this error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This late payment notation is completely incorrect. My records show no such delay. Please reinvestigate and update this record to reflect perfect payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The report of a late payment is false. I was never late, and this appears to be a reporting mistake or miscommunication from the furnisher. Under FCRA 611, you must reinvestigate and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment I dispute the accuracy of this late payment notation. There is no evidence that I was delinquent. Please remove or correct this record under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Chargeoff I have no knowledge of this account. This appears to be an unauthorized or fraudulent entry. Provide the signed application, payment history, and contract or delete the entry immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$240.00} Late Payment The late payment listed here is false. I was never late and demand full verification under FCRA 611 ( a ). Any unverifiable data must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Late Payment This late payment is being duplicated from another entry of the same creditor, which causes double damage to my report. Please delete the duplicate or correct it immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Late Payment This record is inaccurate. I have never had a late payment history with XXXX XXXX. Please verify or delete under FCRA compliance. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX XXXX I did not authorize these hard inquiries. These appear to be unauthorized credit pulls, which violate FCRA 604. Please remove all unauthorized inquiries immediately. 
Each of these inaccurate reports and inquiries has caused significant harm to my credit score, resulted in denial of credit opportunities, and has impacted my financial standing. These actions also constitute violations of the FCRAs requirement for accuracy and fair investigation. The credit bureaus failed to properly verify the data with the furnishers, and the furnishers failed to provide documented proof of ownership or delinquency. 
I am requesting the CFPB to open a formal investigation into these violations and ensure that the reporting agencies and furnishers provide verifiable documentation or remove these items immediately from my credit report. 
I respectfully request that you hold the responsible parties accountable for their noncompliance with the Fair Credit Reporting Act and ensure that my credit report reflects only accurate and verified information. 
Thank you for your time and attention to this matter.

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