Consumer complaint received 2025-07-23 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:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple errors and violations in my credit report maintained by Experian. These include inaccurate reporting of late payments, charge-offs, collections, repossessions, and unauthorized or unverifiable inquiries. The accounts listed below violate various sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate investigation and correction or deletion. 


XXXX. Late Payments- XXXX XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable.

- XXXX ( 4 accounts ) : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX  : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX XXXX : Reporting one or more late payments that are inaccurate or unverifiable. 
- XXXX  XXXX : Reporting one or more late payments that are inaccurate or unverifiable.

Violations : 15 USC 1666b, 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2 ( a ) ( 1 ) ( F ) XXXX. Charge-Off Accounts - XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX  : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided. 
- XXXX : Reported as charge-off with questionable accuracy, balance disputes, or no 1099-C provided.

Violations : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1692g 3. Collections- XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX XXXX ( XXXX ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
- XXXX XXXX ( XXXX XXXX XXXX  ) : Collections not validated, inaccurate balances, or unauthorized collection attempts. 
Violations : 15 USC 1692g, 15 USC 1681e ( b ), 15 USC 1692e, Johnson v. LVNV Funding XXXX. Repossession Reporting - XXXX XXXX : Charge-off with repossession status and inconsistent reporting across bureaus. 
Violations : 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ), Fisher v. Equifax ( 2018 ) XXXX. Hard Inquiries - XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX  ( XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX / XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX / XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : No resulting credit or open account ; appears unauthorized or unverifiable. 
Violations : 15 USC 1681b ( a ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a )

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