Consumer complaint received 2025-08-07 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:
b'Dear CFPB Officer,\nI am writing to file a formal complaint regarding numerous inaccurate and damaging items being reported on my credit file by various credit bureaus and furnishers. These inaccuracies include incorrect addresses, inaccurate late payments, charge-offs, collections, duplicate accounts, and unauthorized inquiries, all of which violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\nDespite previous attempts to dispute these items with the credit bureaus, they continue to appear, causing harm to my creditworthiness, job prospects, and financial stability. Below is a breakdown of the issues:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: The reported late payment is inaccurate.\nLaw: FCRA  1681s-2(a) requires furnishers to report accurate information.\nStory: I made my payment on time and have receipts to prove it. A system error may have caused this false late payment, which unfairly lowered my score and caused my car loan to be deniedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: I dispute the accuracy of this late payment.\nLaw: FCRA  1681i allows me to challenge inaccurate entries and demand investigation.\nStory: My account was on auto-pay and this late payment appears to be a bank error. Despite contacting them, this was not corrected and has harmed my creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Duplicate account or repeated reporting of same account with conflicting data.\nLaw: FCRA  1681e(b)  information must be complete and not misleading.\nStory: This duplication has doubled the damage to my credit and creates confusion for lenders. I demand immediate correction or deletion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Payment was made on time, but not reflected in reporting.\nLaw: FCRA  1681e(b)  requires reasonable procedures for accuracy.\nStory: I paid through the portal before the due date. The late mark is not my fault and has caused me to be denied a mortgageXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: I had requested hardship relief but was still marked late.\nLaw: FCRA  1681c  unverified or misleading data must be corrected.\nStory: I was going through a health emergency and communicated clearly with the lender. They failed to adjust my reporting despite agreeing to work with meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late Payment\nIssue: No late notice was ever sent to me.\nLaw: FCRA  1681i  requires reinvestigation upon dispute.\nStory: This late mark appeared without any warning or invoice. I only found out after being denied credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late Payment\nIssue: System delay caused payment to be recorded late.\nLaw: FCRA  1681s-2(b)  furnishers must correct inaccuracies after being notified.\nStory: I submitted my payment on time. It posted late due to internal delays. This late mark is unfair and should be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Reported late despite communication with lender.\nLaw: FCRA  1681c  report must be factual and verifiable.\nStory: I provided full documentation showing my payment status. They agreed to review but still reported it as lateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Missed due to hardship and lender miscommunication.\nLaw: FCRA  1681e(b)\nStory: I faced financial hardship and contacted the lender for relief. They assured me the account would be updated, but failed to follow through.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment\nIssue: Bank error misapplied payment.\nLaw: FCRA  1681s-2(a)\nStory: My payment was misrouted due to internal error. I had funds and made payment, yet this caused damage to my report and reputation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late Payment\nIssue: Duplicate account or misreporting.\nLaw: FCRA  1681e(b)\nStory: Two entries with conflicting balances create confusion and hurt my profile. This is misleading and must be investigated.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Late Payment\nIssue: Dispute over timing of payment.\nLaw: FCRA  1681i\nStory: Payment was submitted through online portal. Delay in processing caused false late markXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nIssue: Charge-off without prior notification.\nLaw: FDCPA  809(b) and FCRA  1681s-2\nStory: I was not notified about this charge-off. I only found out when checking my report. This is illegal and has severely impacted me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off\nIssue: Vehicle returned, balance cleared, yet charged off.\nLaw: FCRA  1681c and FDCPA  807\nStory: I returned the vehicle voluntarily and resolved the balance. Reporting a charge-off is unjust and damagingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nIssue: Unknown account, likely fraud.\nLaw: FCRA  1681c-2\nStory: I never applied for or opened this account. This collection is fraudulent and must be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nIssue: No notice or validation provided.\nLaw: FDCPA  809 and FCRA  1681\nStory: I was not informed of this debt or given a chance to validate it. This violates my rights and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Collection\nIssue: Unknown account.\nLaw: FCRA  1681g\nStory: I have no relationship with this company. It appears to be fraudulent activityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection\nIssue: Collection not belonging to me.\nLaw: FCRA  1681i\nStory: I dispute the validity of this debt and was never contacted by this collector.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStory: I dispute this inquiry and never requested any service from this entity.XXXX XXXX XXXX   Inquiry (2 entries)\nIssue: Duplicate and unauthorized.\nLaw: FCRA  604\nStory: Two hard pulls same day from same company damages my score unnecessarily.\nSummary and Request\nThis pattern of errors and noncompliance with FCRA is harmful and violates my consumer rights. I have contacted the bureaus and furnishers with no resolution. I am now asking the CFPB to:\n1.\tInvestigate the accuracy and legality of the reporting practices described above.\n2.\tEnforce correction or deletion of all inaccurate, duplicate, or unverifiable information.\n3.\tHold furnishers and credit reporting agencies accountable for violating my rights.'

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