Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian for their continued reporting of multiple inaccurate, unverifiable, and legally non-compliant entries on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite previous disputes submitted directly to Experian, they have failed to correct or delete several negative entries, many of which were never validated or reported in accordance with applicable federal regulations. 

Below is a detailed breakdown of the disputed accounts, the associated issues, relevant laws violated, and supporting facts : Accounts XXXX XXXX Payments XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) ; 611 Details : The creditor failed to notify me or offer accommodations during a financial hardship. No documentation was provided to validate this late payment during dispute. Experian failed to remove this unverifiable derogatory mark. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments During CARES Act Forbearance Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) ; CARES Act Details : These federally backed student loans were under CARES Act forbearance. Late payments during this period should not have been reported. Experian has ignored federal protections and continues to publish inaccurate derogatory data. 

XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) Details : A system error caused payment delay despite sufficient funds. I received no billing notice or opportunity to cure. Experian failed to investigate the matter when disputed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Late Payment After Account Closed Law Violated : FCRA 623 ( b ) ; FDCPA 807 Details : This account was closed and paid. Reporting a late payment post-closure without documentation constitutes misleading and inaccurate reporting. 

XXXX. XXXX Acct # : XXXX Issue : Late Payment During XXXX XXXX Violated : FCRA 607 ( b ) Details : I had sufficient funds, but due to a banking error, XXXX failed. I never received notice of the issue and was unable to resolve it before being marked delinquent. 

XXXX. XXXX Acct # : XXXX Issue : Transition-related Reporting Error Law Violated : FCRA 607 ( b ) Details : Account transition to a new issuer caused system issues. No proof of the alleged delinquency was provided when disputed. Experian continues to report without verification. 

XXXX. XXXX Acct # : XXXX Issue : Inaccurate Late Payment Law Violated : FCRA 607 ( b ) ; 623 ( a ) ( 1 ) Details : This account was paid in full. The reported late payment is unverified and appeared without notice or supporting documentation. 

XXXX Accounts Without XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX  ) Acct # : XXXX Issue : Collection Reporting Without Validation Law Violated : FDCPA 809 ( a ) ; FCRA 611 Details : I never received a debt validation letter. Experian is reporting a collection that was never legally validated, violating my rights under the FDCPA and FCRA. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Issue : Invalid Collection Reporting Law Violated : FDCPA 807, 809 ; FCRA 611 Details : This debt was disputed, and the collection agency failed to provide any supporting documentation. Despite this, Experian continues to report the collection account, showing reckless disregard for compliance. 

Unauthorized XXXX Inquiries XXXX. Inquiries Dated XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inquiries Without Permissible Purpose Law Violated : FCRA 604 ( a ) ( 3 ) Details : I did not authorize or initiate credit applications with these companies. These inquiries were made without my knowledge or consent. Experian has failed to remove them even after I submitted disputes. 

Resolution Sought : Immediate deletion of all unverified and inaccurate late payments Removal of all XXXX late payments that violate CARES Act protections Permanent deletion of unvalidated collection accounts Deletion of unauthorized hard inquiries Full written explanation from Experian regarding their investigation process per FCRA 611 ( a ) ( 7 ) Updated credit report reflecting corrections Experians failure to investigate and correct these items demonstrates a repeated pattern of non-compliance with federal law and a failure to protect consumer rights. I am requesting the CFPB to open an investigation into XXXX dispute handling procedures and compel correction or deletion of all items listed.

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