Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, duplicate, and unverifiable accounts that are being reported on my credit file. These accounts contain late payments, charge-offs, and collections that are harming my credit standing. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), I have the right to accurate and verifiable information on my credit reports. The following accounts violate these laws and must be investigated : XXXX XXXX ( Account : XXXX | High Balance : {$650.00} | Date Opened : XX/XX/XXXX ) Issue : Reported with late payments. 
Law : FCRA 602 ( A ), 607 ( B ), 611 ( A ) requires maximum possible accuracy and correction of errors. 
Story : XXXX XXXX has reported late payments that I strongly dispute as inaccurate. During the period of the alleged late payments, I made consistent efforts to keep this account in good standing. Some of the late marks may stem from internal system errors or delays in posting payments. By reporting these inaccurately, XXXX XXXX has created a negative impact on my creditworthiness, making it difficult to qualify for fair credit terms. This is a direct violation of my rights under the FCRA. 
XXXX XXXX ( Account : High Balance {$66.00} | Date Opened : XX/XX/XXXX ) Issue : Reported with late payments. 
Law : FCRA 609 ( A ) requires furnishers to provide full and accurate records if disputed.

Story : This account is a small balance credit builder account, and the reporting of late payments is misleading and disproportionate. I maintained regular activity, and any alleged late reporting is inaccurate and unverifiable. Even a minor balance account being marked late can unfairly reduce my credit score, which is against the purpose of a credit-builder program. This shows that the reporting lacks fairness and accuracy as required by law. 
XXXX ( Account : XXXX | High Balance : {$2300.00} | Date Opened : XX/XX/XXXX ) Issue : Reported as charge-off. 
Law : FDCPA 807 and FCRA 623 ( A ) prohibits false or misleading credit reporting. 
Story : XXXX claims a charge-off balance that I dispute. I was never provided with a clear breakdown of charges, fees, or final billing statements to justify this balance. XXXX failed to validate the debt properly, and yet the account was reported as a charge-off, which is severely damaging my credit profile. Without proper validation, this account is unverifiable and must be removed under the FDCPA and FCRA. 
XXXX XXXX ( Account : XXXX | High Balance : {$250.00} | Date Opened : XX/XX/XXXX ) Issue : Reported with late payments. 
Law : FCRA 607 ( B ), 611 ( A ) reporting must be accurate and corrected upon dispute. 
Story : XXXX XXXX is reporting late payments that are not accurate. I maintained consistent efforts to keep this account in good standing. The late marks reported are not supported with proper validation. These errors unfairly harm my credit score and create barriers to fair lending opportunities. 
XXXX ( Account : XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX ) Issue : Reported as charge-off. 
Law : FDCPA 809 ( B ) requires proper debt validation upon dispute ; FCRA 623 ( A ) ( 1 ). 
Story : XXXX XXXX has reported this auto loan as a charge-off without properly validating the debt. I requested verification of payments, payoff records, and proper account history, but I have not received full documentation. Reporting a charge-off without sufficient validation misleads other lenders and severely harms my ability to obtain financing. This violates both the FDCPA and FCRA. 
XXXX ( Account : XXXX | High Balance : {$400.00} | Date Opened : XX/XX/XXXX ) Issue : Duplicate collection account. 
Law : FCRA 602 ( A ) prohibits duplicate and misleading reporting ; FDCPA 807 ( 2 ). 
Story : The same debt is being reported twice under different variations ( XXXX and XXXX ). This is a clear duplication that inflates the damage to my credit. Reporting the same debt multiple times is misleading, unfair, and illegal under the FCRA. This duplicate entry must be removed immediately. 
XXXX XXXX  ( Account : XXXX | High Balance : {$960.00} | Date Opened : XX/XX/XXXX ) Issue : Duplicate collection account. 
Law : FCRA 623 ( A ) ( 1 ) ; FDCPA 807.

Story : This is another duplicate entry by XXXX XXXX, reported twice for the same alleged balance. Duplicate reporting exaggerates the severity of my credit history and misleads future creditors. This practice is unfair, unlawful, and directly violates consumer protection laws. 
Summary : These accounts are inaccurate, duplicative, and unverifiable. They violate the FCRA and FDCPA, and they are causing severe harm to my credit standing, financial opportunities, and peace of mind. I request that the CFPB investigate and require immediate correction or removal of these accounts.

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