Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), due to multiple inaccurate, misleading, and harmful entries on my credit report. These accounts are reported in violation of federal law, have damaged my credit reputation, denied me fair access to financial products, and caused significant financial and emotional harm. Below I outline each account, the inaccuracies, and the laws violated. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3600.00} | Status : Late Payment This account is being reported with late payments even though I made arrangements with the servicer and submitted payments in good faith. The servicer failed to properly update my status to reflect payment agreements. Reporting late payments during deferment or forbearance periods is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information. This false reporting has unfairly lowered my credit score, prevented me from qualifying for housing, and placed an unjust burden on me. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$9600.00} | Status : Late Payment This account is also reported inaccurately. Payments were made under income-driven repayment, but the servicer still reported delinquencies. Under the Higher Education Act and FCRA, servicers must ensure accuracy and integrity of furnished information. By reporting incorrect late payments, the servicer is in violation of FCRA 607 ( b ) which requires maximum possible accuracy. This negative reporting has directly caused me to be denied personal loans and increased interest rates on credit cards. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4400.00} | Status : Late Payment This is a duplicate entry of the same loan being reported twice with different balances, which is misleading and unfair. Duplicate reporting inflates my overall debt and misrepresents my payment history, violating FCRA 623 ( a ) ( 5 ). This misreporting makes it appear as if I have more delinquencies than I actually do, resulting in severe damage to my financial reputation. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$6800.00} | Status : Late Payment Despite being under a rehabilitation program, this account was not updated correctly. Servicers are obligated to update credit bureaus with accurate statuses once rehabilitation or deferment begins. Continuing to report late payments after rehabilitation is completed is a violation of FCRA 611 ( a ), since I already disputed with the servicer and they failed to conduct a proper reinvestigation. Because of this, I was denied approval for an auto loan that I otherwise would have qualified for. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$5300.00} | Status : Late Payment This account is over XXXX XXXX XXXX and continues to harm me with false late payment history. Under FCRA 605 ( a ) ( 5 ), adverse information such as late payments should not be reported beyond seven years. Keeping this account with derogatory marks violates federal law and unfairly punishes me for outdated information. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$810.00} | Status : Collection This collection account is being reported without proper validation of debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I requested validation, but none was provided. Reporting a debt without proof violates FCRA 623 ( b ). This has caused me emotional distress and has limited my ability to refinance existing loans. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$130.00} | Status : Collection This account is being reported with a future open date of XXXX, which is inaccurate and impossible. Such false reporting clearly violates FCRA 607 ( b ), which requires credit reporting agencies to maintain accuracy. A future date indicates fabricated or erroneous information that is damaging my profile. This error has created confusion in my financial records and harmed my chances of approval for essential services. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$720.00} | Status : Collection This collection is being reported without notice to me, violating FDCPA 807 ( 8 ) which prohibits false or misleading credit reporting. I was never contacted before reporting, which also violates FCRA 623 ( a ) ( 7 ). This is an unfair practice that damaged my creditworthiness, making it harder for me to secure housing and employment opportunities. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off This account is being reported as charged off with a balance of {$0.00}, which is impossible and inaccurate. A charge-off implies a loss to the creditor, but if no balance exists, then there is no loss and no charge-off. Reporting this as derogatory is deceptive and violates FCRA 607 ( b ) requiring maximum accuracy. This inaccurate report makes me look irresponsible to potential lenders even though there was no outstanding debt. Because of this false reporting, I was denied approval for a furniture financing application, which caused embarrassment and unnecessary stress when I had already shown I was financially responsible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$4300.00} | Status : Charge Off This account is being reported as a charge-off while still showing an active balance, which is misleading and inconsistent. A creditor can not both charge off and still demand payment one status cancels out the other. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not provide false or conflicting information. This inaccurate reporting made it appear as if I walked away from my obligations, when in fact I had been in communication with the creditor regarding repayment. As a result of this harmful entry, I was denied approval for a consolidation loan that would have lowered my overall interest rate and monthly burden. The financial harm is direct, measurable, and a result of unlawful reporting practices. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$160.00} | Status : Charge Off This small account is reported as charged off without proper validation or communication. FDCPA 809 ( b ) requires a collector or creditor to validate a debt before reporting, yet I never received validation. Instead of working with me on resolving such a small balance, XXXX decided to damage my credit profile with a derogatory mark. This is excessive, unreasonable, and directly violates FCRA 607 ( b ). Because of this one unfair mark, my credit score dropped enough to increase my insurance premiums and prevent me from qualifying for a low-interest credit card I had applied for. Such a heavy punishment for an unvalidated, small balance is neither fair nor legal. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment This account is reported with late payments despite having a XXXX balance, which is illogical and misleading. If the balance is XXXX, it means the account was satisfied, yet the servicer continues to punish me with derogatory marks. This violates FCRA 607 ( b ) because the information is not accurate, fair, or consistent. The reporting has made it appear as though I neglected a financial responsibility, which is false. Because of this inaccurate late payment, I was rejected from a rental application, forcing me to stay in a less affordable housing arrangement. The damage is personal, financial, and ongoing. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off This account is showing as a charge-off with a XXXX balance, which again is impossible. A XXXX balance means nothing is owed, so it can not be charged off. Reporting it this way makes me look like a high-risk consumer even though I have no remaining obligation. Under FCRA 623 ( a ) ( 5 ), furnishers must report correct status and not mislead with inaccurate derogatory coding. Because of this false entry, I was denied approval for an auto refinance that would have lowered my monthly car note. The damage has forced me to continue paying a higher amount than I should, costing me hundreds of dollars unnecessarily. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$180.00} | Status : Charge Off This appears to be a duplicate of the XXXX account above. Duplicate reporting inflates the impact of one debt and makes it look as if I have more derogatory items than I truly do. This violates FCRA 607 ( b ) which requires maximum accuracy. Because of this double reporting, my score was driven down even further, which led to a denial for a secured credit card I had applied for to rebuild my history. This duplicate account is unlawful and should be deleted immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$200.00} | Status : Collection This collection account is reported without any proper validation. I never received the legally required notice of debt validation under FDCPA 809 ( a ). Furnishers can not legally report unverified debt, and doing so violates FCRA 623 ( b ). XXXX XXXX has a history of purchasing old or invalid debts, and in my case, they have reported one without any chain of title or contract proving their ownership. This has directly harmed me by causing a credit card application to be denied, limiting my financial freedom and ability to access fair credit. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$570.00} | Status : Collection This collection account is being reported by XXXX XXXX, a known debt buyer, without proper documentation or validation. XXXX regularly misreports and fails to validate debts. In my case, I was never provided proof of ownership or the original creditor agreement. Reporting without validation violates FDCPA 807 ( 8 ) and FCRA 607 ( b ). Because of this derogatory mark, my score dropped significantly, preventing me from refinancing my mortgage at a lower interest rate. This single account has cost me thousands of dollars in potential savings and continues to damage my financial reputation.

Conclusion The accounts listed above are inaccurate, misleading, duplicative, or unverifiable. They violate my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I demand that these false entries be immediately investigated, corrected, or deleted in compliance with federal law. If these issues are not resolved, I will escalate this matter further with legal representation.

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