Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
I am submitting this formal complaint regarding several entries on my consumer credit reports, which I believe are inaccurate, improperly verified, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These items continue to appear on my credit profile despite multiple disputes and requests for verification or correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, High Balance : {$11000.00} ) XXXX XXXX  is reported with repeated late payments. I have disputed these entries with no meaningful investigation or correction as required under FCRA 1681i. The continued presence of these derogatory notations after my dispute represents a violation of both 1681e ( b ) and 1681s-2. 

XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, High Balance : {$480.00} ) XXXX XXXX  and XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, High Balance : {$540.00} ) XXXX XXXX are being reported as charge-offs without substantiating validation or updated status following disputes. These entries negatively impact my credit standing and may have already exceeded statutory time limits, raising questions under FCRA 605 ( a ) regarding the reporting of obsolete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$4200.00} ) XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, High Balance : {$3800.00} ) XXXX XXXX  are reported with a pattern of late payments. Despite my prior disputes citing inconsistent reporting and lack of documentation, the information remains unchanged, violating FCRA 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, are both showing late payments within months of origination. These notations appear prematurely and suggest a failure to validate or fairly assess the accounts before reporting, contravening FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, High Balance : {$53000.00} ) XXXX XXXX has extensive late payment notations. I have submitted documentation indicating payment deferments and protections under the CARES Act, which have not been reflected, thus breaching obligations to furnish accurate data under FCRA 623 and related CARES Act amendments. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX XXXX : {$860.00} XXXX XXXX XXXX  is listed as a collection, potentially duplicating a previously resolved or charged-off debt, and without validation per 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, XXXX XXXX XXXX XXXX initiated a credit inquiry dated XX/XX/XXXX, a future date, which is not only factually inaccurate but potentially indicative of unauthorized access or system error, in breach of permissible purpose restrictions under FCRA 604. 

These disputed items have severely damaged my creditworthiness, resulting in denials of credit, inflated rates, and emotional distress. The continued inclusion of inaccurate, unverifiable, or outdated information undermines the intent of the FCRA to ensure fairness and accuracy in credit reporting. 

Requested Actions : Immediate reinvestigation of all listed accounts. 

Removal or correction of any unverifiable, inaccurate, or obsolete information. 

Disclosure of the method of verification and identity of furnishers contacted.

Enforcement action against furnishers or CRAs found in violation of the FCRA or FDCPA.

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