Consumer complaint received 2025-09-12 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate, misleading, and unverifiable entries being reported on my credit file. These entries are causing significant harm to my creditworthiness, and despite my efforts to have them investigated and corrected, they remain unresolved. 

The following items are being reported inaccurately : XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$1700.00} Charge Off Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} Charge Off Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Charge Off Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Charge Off These XXXX  XXXX accounts appear duplicative and inconsistent. Some accounts show XXXX balances yet remain listed as charge-offs, which is misleading and unfair. 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5700.00} Late Payment This reporting is inaccurate and incomplete. No proper validation has been provided regarding the alleged delinquency. 

XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} Late Payment Inquiry : XX/XX/XXXX Unauthorized Hard Inquiry The late payment reporting is not accurate, and the inquiry was not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5200.00} Late Payment The reporting does not reflect accurate payment history and has not been properly validated. 

XXXX XXXX XXXXXXXX XXXX File : XXXX Bankruptcy This record is inaccurate, incomplete, and not supported by proper verification. 

Basis of Complaint : The above accounts contain errors, duplications, unverifiable data, and misleading reporting. 

Reporting accounts with {$0.00} balances still marked as charge-offs is inaccurate and damaging. 

Unauthorized inquiries and unverifiable late payments violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

These errors negatively impact my creditworthiness, access to fair credit, and overall financial stability. 

Requested Resolution : I am requesting the CFPBs assistance in ensuring that : All the above accounts are fully investigated and removed or corrected if unverifiable. 

All duplicate and misleading XXXX XXXX charge-off entries are deleted. 

The unauthorized XXXX XXXX XXXX  inquiry is removed. 

Any late payment entries that can not be properly validated with full documentation are deleted. 

The inaccurate bankruptcy record is deleted.

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