Consumer complaint received 2025-09-29 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 inaccurate and unlawful reporting of accounts on my credit profile. The accounts listed below are being reported in violation of federal consumer protection laws and have caused me severe financial and reputational harm. The furnishing entities have failed to comply with their obligations under federal statutes including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related provisions, and I am requesting CFPBs immediate intervention and enforcement to ensure compliance and permanent correction of these violations. 

Address XXXX XXXXXX/XX/XXXXXXXX XXXX, VA XXXX This address is also incorrectly listed on my report, and it does not represent a verified or valid residence associated with my current or past records. According to FCRA XXXX ( A ), consumer reports must be fair and accurate, and the continued reporting of inaccurate addresses directly violates this principle. Any unverifiable address creates false associations with accounts that may not belong to me, which damages my credit reputation. Reporting unverified personal information also goes against the intent of FCRA XXXX ( b ), which demands strict accuracy. If the source of this address can not be proven with verifiable documentation, it must be removed. I am entitled under XXXX to know where the bureau obtained this information, and failure to provide proof makes this entry invalid. The law is clear that only accurate, complete, and up-to-date information may remain in a credit report. This address creates confusion and misrepresentation, which harms my ability to maintain an accurate profile. I request immediate deletion of this inaccurate record and written confirmation that my file has been corrected under XXXX. 

AccountsXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} Late Payment * * This account is being reported with late payments that are not consistent with my payment history, and no verified proof has been provided. Under the Fair Credit Reporting Act XXXX ( a ) ( XXXX ), furnishers are prohibited from reporting information they know or should know is inaccurate. The late payment entries harm my creditworthiness and create a misleading profile of my financial behavior. If the creditor can not provide original records showing exact payment dates, contracts, and billing history, the negative entries must be deleted. Additionally, FCRA XXXX requires that the credit bureaus perform a reasonable reinvestigation once a dispute is raised, and unverifiable information can not be retained. The continued reporting of unverified late payments directly violates federal law. The account also violates FCRA XXXX ( A ), which establishes that the system of credit reporting must be fair and accurate. By allowing this account to remain without proper documentation, the bureau is enabling harmful inaccuracy. Late payments, once recorded, severely lower a consumers score, and if unverified, constitute defamation of character. The failure to maintain complete accuracy also breaches FCRA XXXX ( b ), which requires consumer reports to be maximally accurate. If there is no full validation of these late payment claims, the entries must be permanently deleted. Consumers are entitled to accuracy, and I demand this account be corrected immediately. Please provide proof of the validation or delete the harmful reporting. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Late Payment * * This account reflects late payments that are not supported with verifiable evidence. Under FCRA XXXX, once a consumer files a dispute, the credit reporting agencies must investigate the accuracy of the information. If the creditor can not provide signed contracts, full payment history, and billing records, the entries are considered unverifiable and must be removed. Reporting late payments without proof is not only unfair but also unlawful under XXXX. The accounts current reporting damages my creditworthiness by suggesting delinquency that may not exist. Furthermore, FCRA XXXX ( A ) emphasizes fairness in reporting, yet this tradeline violates that principle by presenting inaccurate and misleading information. Each late payment reported without evidence of billing and notice also falls under the category of inaccurate reporting under XXXX ( b ). If the bureau can not confirm the exact source of these entries, the account should be deleted to maintain compliance. The law requires strict accuracy, and reasonable procedures must be followed to prevent harm. Without validation, this tradeline is nothing more than an unsupported claim harming my financial reputation. Consumers have the right to demand deletion of unverifiable negative reporting. If this account continues to reflect late payments without substantiation, I will consider further legal remedies. For now, I request an immediate correction or deletion and written confirmation that compliance has been fulfilled. 

XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$8800.00} Late Payment * * This tradeline shows late payments that I dispute as inaccurate and unverified. Under the Fair Credit Reporting Act, all consumer information must be fair, accurate, and verifiable, as outlined in XXXX ( A ), XXXX ( b ), and XXXX. The reporting of late payments without verifiable proof of billing, payment notices, and contractual agreements constitutes unlawful reporting. Each late payment notation has a significant negative impact on my credit file, lowering my score unfairly and creating barriers to financial opportunity. The inclusion of this information without full documentation violates XXXX ( a ) ( XXXX ), which prohibits furnishers from reporting inaccurate or incomplete data. Credit bureaus are also required to perform reinvestigations and can not continue reporting unverifiable entries. This account reflects systemic noncompliance with the law and exposes me to unnecessary financial harm. Without documentation, this tradeline becomes a form of character defamation, misrepresenting my financial responsibility. Under XXXX, failure to delete unverifiable information is a direct violation of federal law. If the creditor can not validate with original records, this account must be deleted. The law requires accuracy, and keeping unverifiable late payments in my file is unlawful. I am exercising my right to dispute, and I demand written confirmation of correction or deletion. 

XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$910.00} Chargeoff * * This account shows a charge-off reporting that I dispute as unverifiable. Under FCRA XXXX, I have the right to demand proof of the alleged debt. If the creditor can not provide original records, signed agreements, and complete payment history, this charge-off is invalid. Reporting unverifiable information violates XXXX ( a ) ( XXXX ), which requires furnishers to report only accurate data. The bureau is also obligated under XXXX ( b ) to ensure maximum possible accuracy. By allowing unverifiable charge-off reporting, the bureau violates its statutory duty. This account is damaging my financial reputation and causing undue harm. Section XXXX ( A ) emphasizes fairness, yet this tradeline is neither fair nor accurate. Reporting unverifiable debt constitutes character defamation and reduces my access to financial opportunities. Without proper validation, this entry must be deleted under federal law. Any failure to reinvestigate thoroughly is a violation of XXXX. Consumers are entitled to protection against incomplete reporting. This charge-off, if left uncorrected, represents noncompliance. I demand immediate deletion unless verifiable proof is provided. Please provide written confirmation of the correction in compliance with my federal rights. 

XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Chargeoff * * This account is showing a charge-off reporting that has not been validated with complete records. Under FCRA XXXX, I am entitled to dispute this information and require verification. If the creditor can not produce original agreements, payment history, and lawful documentation, this entry is considered unverifiable. Furnishers are bound by XXXX ( a ) ( XXXX ) not to report inaccurate or incomplete information. The current reporting is harming my creditworthiness and exposing me to unfair denials. Under XXXX ( b ), consumer reports must be maximally accurate, and this entry fails to meet that standard. Section XXXX ( A ) requires the system to be fair, yet this charge-off unfairly damages my profile without validation. Reporting unverifiable debt is unlawful and causes irreparable harm. If no documentation exists, the bureau must delete this charge-off immediately. Consumers can not be held accountable for unverifiable claims. Federal law mandates accuracy, and keeping unverifiable information is a violation. I am requesting full deletion of this charge-off to restore compliance. Please confirm in writing once this tradeline has been corrected or removed as required under the FCRA. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account reports late payments despite a recorded XXXX balance, which is contradictory and misleading. Under FCRA XXXX ( b ), all consumer information must be accurate and complete, and contradictory reporting fails this standard. If the balance is XXXX, the presence of late payment notations is false. Section XXXX ( a ) ( XXXX ) prohibits furnishers from reporting inaccurate or misleading information, and this account violates that rule. Such reporting harms my financial profile by suggesting delinquency when no debt exists. The inclusion of this data unfairly lowers my score and damages my creditworthiness. Under XXXX, any disputed information must be reinvestigated, and unverifiable or inaccurate entries must be deleted. The presence of late payments on a XXXX balance account demonstrates negligence in reporting. Section XXXX ( A ) emphasizes fairness, and this account fails to uphold that principle. Consumers are entitled to accurate files, and contradictory entries violate federal law. This account must either be corrected to reflect accuracy or be deleted entirely. Reporting false late payments creates reputational harm and financial obstacles. I hereby demand deletion if validation can not be provided. Written confirmation of compliance with federal law is required. 

XXXX XXXX XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$940.00} Late Payment * * This tradeline reports late payments that are unsubstantiated and harmful to my credit report. Under FCRA XXXX ( a ) ( XXXX ), creditors can not report information they know or should know to be inaccurate. If XXXX can not provide proof through billing records and contracts, these entries are unverifiable. Section XXXX ( b ) requires maximum possible accuracy, and this account does not meet that standard. The late payment reporting unfairly reduces my creditworthiness and creates a misleading financial history. Under XXXX, disputed items must be reinvestigated, and unverifiable entries must be deleted. Section XXXX ( A ) emphasizes the importance of fairness, yet this account unfairly damages my reputation. The late payment notations lower my score without justification. Reporting unverifiable information is unlawful and constitutes defamation of character. The burden of proof rests with the furnisher to validate these claims. If XXXX can not validate, the bureau must delete the negative marks. The law requires fairness, accuracy, and privacy, and this tradeline violates all three. I demand deletion of this account if no complete proof is provided. Written confirmation of correction is required under federal law. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} Late Payment * * This account is being reported with late payments that I dispute as inaccurate and unverifiable. The Fair Credit Reporting Act ( FCRA ) XXXX ( b ) requires credit bureaus to ensure maximum accuracy, yet these reported late payments are unverified and misleading. I have never been provided with original documentation proving that these late payments occurred. Under XXXX, I have the right to request the method and source of verification, which must be provided in writing. If no original signed agreement and complete payment history can be furnished, then these negative marks are unverifiable. Additionally, under XXXX, any disputed and unverifiable information must be deleted from my report. Reporting unverifiable late payments damages my creditworthiness and creates an inaccurate portrayal of my financial responsibility. Furthermore, creditors are bound by XXXX ( a ) ( XXXX ) ( A ) not to furnish false or misleading information. Continuing to report unverifiable data violates federal law. My consumer rights guarantee fair and accurate reporting, and this account fails that test. If the bureau or furnisher can not certify the validity of these late payments, immediate deletion is required. I demand full reinvestigation, removal of all late payment notations, and written confirmation once corrected. 

XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff * * This account is being reported as a charge-off, which I dispute as inaccurate and unverifiable. A charge-off is a serious derogatory item, and the FCRA XXXX ( b ) requires that such information must meet maximum accuracy standards. At this time, no original documentation has been provided showing that this account is valid, nor that the debt was lawfully charged off. Without proper documentation, the entry is unverifiable under XXXX. Reporting unverifiable charge-offs harms my credit profile and creates the false impression of irresponsibility. Furthermore, XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information that they know or should know is inaccurate. If the creditor can not produce the original agreement, account statements, and proof of delinquency, then this charge-off is invalid. Under XXXX, any unverifiable or inaccurate information must be deleted after a reinvestigation. This entry also violates my right to fair reporting under XXXX ( A ), which ensures consumer credit files are fair, accurate, and used properly. The continued reporting of this charge-off without verification is damaging, misleading, and unlawful. I demand a complete reinvestigation, immediate deletion of this charge-off, and written confirmation of compliance. 

XXXX XXXX BANK XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Collection * * This account is reported as a collection, which I dispute as inaccurate and unverifiable. A collection account has a severe negative impact, yet under FCRA XXXX ( b ), credit reporting agencies must maintain maximum accuracy, which is not the case here. No proof of validation has been provided that this account is mine or that the collection is legitimate. Under XXXX, I have the right to request full documentation, including the original contract, proof of ownership of the debt, and account-level evidence. If such proof can not be produced, the collection must be deleted. Furnishers are prohibited under XXXX ( a ) ( XXXX ) ( A ) from reporting false or misleading information, and unverifiable collections violate this standard. Reporting unverifiable collections damages my credit reputation and subjects me to financial harm. Under XXXX, disputed and unverifiable items must be corrected or deleted after a reinvestigation. Furthermore, the FDCPA also requires debt collectors to validate debts before reporting, which has not been done. The continued reporting of this account without validation is misleading and unlawful. I demand full reinvestigation, deletion of this account, and written confirmation once the correction is made. 

Inquiries XXXXXX/XX/XXXXXX/XX/XXXX This entry reflects an inquiry that I did not authorize. Under XXXX of the FCRA, a creditor must have permissible purpose to access my file, which is not demonstrated here. Reporting unverifiable inquiries causes harm to my credit profile and misrepresents my activity. Section XXXX ( b ) requires maximum accuracy, and this inquiry does not meet that standard. If no proof of authorization exists, it must be deleted under XXXX. I demand immediate deletion and written confirmation. 

XXXX XX/XX/XXXX This inquiry is listed on my report without my authorization. Under FCRA XXXX, accessing a credit file requires a permissible purpose, which must be proven with documentation. No such validation has been provided to me. Unauthorized inquiries reduce my score and create an inaccurate credit profile. Section XXXX ( b ) requires accuracy, which is not satisfied in this case. If unverifiable, the inquiry must be deleted under XXXX. I request written confirmation once deletion is completed. 

XXXX XX/XX/XXXX This inquiry is reported without proof of my consent. Section XXXX of the FCRA states that access to a consumer file must only be for permissible purpose with proper authorization. No such authorization exists here. Reporting unverifiable inquiries harms my score and is misleading. Section XXXX ( b ) requires maximum accuracy, which is not being upheld. If validation can not be provided, deletion is mandatory under XXXX. I demand removal and written confirmation immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry appears on my report without my knowledge or consent. Under FCRA XXXX, creditors must have a legitimate permissible purpose to access my file. Without my authorization, this entry is unlawful. Unauthorized inquiries damage my report and misrepresent my activity. Section XXXX ( b ) requires strict accuracy, and this inquiry does not comply. If unverifiable, it must be deleted under XXXX. I demand removal of this inquiry and written confirmation of compliance. 

XXXX XXXX XXXX XX/XX/XXXX This is a duplicate inquiry from the same creditor, raising further concerns of unauthorized access. Under XXXX, duplicate inquiries without proper authorization are unlawful. Such entries unfairly lower my score and distort my credit profile. Section XXXX ( b ) requires maximum accuracy, which this fails to meet. If no proof of authorization is provided, the entry must be deleted under XXXX. Unverifiable information can not remain under federal law. I request deletion and written confirmation of correction. 

I am therefore requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately investigate these accounts, compel the furnishers to comply with the FCRA and FDCPA, and ensure that inaccurate, unverifiable, and unlawfully reported information is permanently deleted from my credit profile.

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