Consumer complaint received 2025-08-01 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: NM

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Status : Late Payment LAW : FCRA Section 611 ( 15 U.S. Code 1681i ) - Reinvestigation of disputed information. FCRA Section 607 ( b ) - Maximum accuracy. 
ISSUE : This account is reporting late payments that are not accurate and were not verified during the first round. 
STORY : I never received any notice of delinquency or late status from this servicer. I consistently maintained contact and ensured my obligations were met. I am requesting you to obtain proper verification directly from the furnisher, and if not, delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$3800.00} Status : Late Payment LAW : FCRA Section 611 and Section 607 ( b ) ISSUE : Inaccurate late payment notation is harming my credit unfairly. 
STORY : I had submitted documentation to the servicer clarifying my hardship status during the time in question. Despite that, the account continued to report negatively. This account must be re-investigated with proper documentation or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$3700.00} Status : Late Payment LAW : FCRA Section 611 and 607 ( b ) ISSUE : This account is still reporting false late payment information even after my initial dispute. 
STORY : I have repeatedly requested proper verification and have not received a satisfactory response. This delay and failure to ensure accurate reporting is a clear violation of FCRA and must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$240.00} Status : XXXX XXXX : FCRA Section 609 ( 15 U.S. Code 1681g ) - Right to full disclosure. FCRA Section 611 - Right to dispute. 
ISSUE : This chargeoff was never properly validated and does not belong to me. 
STORY : I do not recall opening any account with Affirm, and I was never notified of any obligation before the charge-off was posted. I request full method of verification or deletion from my credit file. 
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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