Consumer complaint received 2025-08-06 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:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX ) High Balance : {$62.00} Date Opened : XXXX Issue : Late Payment Reporting * * Under the FCRA, all negative information must be accurate, complete, and verifiable. I dispute the late payment notation on this account as I have consistently met the payment terms or resolved disputes in accordance with my rights. The presence of this late payment severely impacts my creditworthiness and is not substantiated by clear, documented evidence from XXXX XXXX XXXX. 

Furthermore, the FDCPA prohibits unfair or deceptive collection practices. If any collection attempts have been made related to this disputed amount, they are hereby contested pending validation of the debt. 

XXXX ( Account : XXXX ) High Balance : {$810.00} Date Opened : XX/XX/XXXXXXXX Issue : Late Payment Reporting I dispute the accuracy of the late payment recorded here. Under Section 609 ( a ) ( 1 ) of the FCRA, I am entitled to request documentation proving the legitimacy of this charge and the accuracy of reporting. Failure to provide such proof requires immediate removal of this notation. Late payments unjustly reported can lead to lower credit scores and unwarranted collection activity, both of which violate my consumer protections. 

XXXX ( Account : XXXX ) High Balance : {$850.00} Date Opened : XX/XX/XXXXXXXX Issue : Charge Off * A charge-off on a newly opened account is highly suspicious, indicating either an error or fraudulent activity. The FCRA mandates strict accuracy. I am formally requesting a detailed statement verifying the debt 's origination, amount, and status. If this charge-off can not be verified within 30 days, it must be deleted immediately. 

XXXX ( Account : XXXX ) High Balance : {$500.00} Date Opened : XX/XX/XXXXXXXX Issue : Charge Off * I dispute this charge-off entry. Per FCRA Section 623 and the FDCPA, I demand validation of this debt within 30 days. Until then, any negative reporting or collection activity must cease. Charging off an account without proper validation constitutes a violation and subjects the creditor and reporting agency to potential legal liability. 

XXXX ( Multiple Accounts ) Dates Opened : Varying from XXXX to XXXX Balances Range : {$1000.00} to $ XXXX Issues : Late Payment, Charge Off The repeated late payment and charge off notations associated with this debt collection agency are inconsistent and repetitive. Many accounts overlap in dates, and multiple entries suggest inaccurate reporting or potential double reporting of the same debt, which is prohibited under Section 623 of the FCRA. 

Additionally, many of these accounts are far past the statute of limitations for debt collection under applicable state laws. Continued reporting of these outdated debts is not only legally questionable but also harmful to my credit profile. I demand a full audit, validation, and removal of all unverifiable or time-barred debts. 

XXXX XXXXXXXX ( Multiple Accounts ) High Balances : {$430.00} and {$190.00} Dates Opened : XXXX XXXX XXXX  Issue : Late Payment The late payments indicated here do not reflect the actual history and fail to consider extenuating circumstances like billing errors, disputes, or payment processing delays. Under the FCRA and FDCPA, I am entitled to dispute inaccurate reporting and request correction or deletion of improper notations. 

XXXX XXXX ( Account : XXXX ) High Balance : {$4100.00} Date Opened : XX/XX/XXXX Issue : Charge Off * This substantial charge off demands immediate validation and justification. Charge offs have a severe credit impact and should only appear where full compliance with statutory requirements is documented. If this debt is inaccurate, incomplete, or time-barred, I demand its immediate deletion. 

XXXX ( Account : XXXX ) High Balance : {$18000.00} Date Opened : XX/XX/XXXX Issue : Charge Off * As a major claim amount, this charge off must be substantiated with contractual and payment history documents. I request a full investigation. Any failure to provide documented proof within the legal timelines necessitates removal under the FCRA. 

XXXX ( Account : XXXX ) High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Charge Off * Given the recent nature of this account, a charge off raises questions about reporting accuracy and account handling. I demand proof of debt, itemization of payments, and all related communications. Without verification, all derogatory marks must be removed. 

XXXX XXXXXXXX ( Accounts ) High Balances : {$200.00} Dates Opened : XX/XX/XXXX and XX/XX/XXXX Issues : Charge Off and Late Payment The Sun Loan entries show both a charged off balance and a late payment on nearly identical balances with close dates. This suggests possible duplicate reporting or inconsistent data submission by the creditor. Duplicate negative entries are a direct violation of FCRA guidelines and should be removed. 

XXXX  ( Account : XXXXXXXX XXXX XXXX ) High Balance : {$26000.00} Date Opened : XX/XX/XXXX Issue : Charge Off * * A high balance charge off requires transparent accounting and validation to ensure that all numbers are correct and reported in good faith. I require detailed documentation as mandated by regulatory authorities. 

COLLECTION ACCOUNTS ( Various ) Examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown accounts These collection listings feature varied balances and opening dates ; some debts are unrecognized or outdated. Under federal law, I have the right to challenge the legitimacy of each collection account. Many appear to be either duplicates, improperly reported, or beyond the legal timeframe for collection. I instruct all credit reporting agencies to verify each collection as per my request. Failure to verify must result in immediate deletion. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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