Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
Dear Sir/Madam I am submitting this complaint regarding multiple inaccurate, fraudulent, and unverifiable entries on my credit report. These items include charge-offs, late payments, and unauthorized inquiries. I dispute the validity and accuracy of all listed accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681s-2 ( a ). I request a thorough investigation, correction, or deletion of these items immediately. 
XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$750.00} Charge Off I have no knowledge of this account being legitimately opened by me. The charge-off status is completely inaccurate. I never received any statements, notifications, or communications regarding this account. Reporting such a charge-off without verification violates FCRA Section 609 and 623, which require accurate reporting and verification of disputed accounts. I demand deletion of this account from my credit report. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$900.00} Charge Off This account is reported incorrectly as a charge-off. I have never opened or authorized this account. The presence of this account on my credit report is damaging to my creditworthiness. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are obligated to investigate disputed information and correct inaccuracies. I demand this account be removed permanently. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account is completely unknown to me and has been reported erroneously. It is unacceptable under FCRA regulations to list a charge-off on a credit report without verification and proof of the account belonging to me. I demand deletion of this account and any related negative entries. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The reported late payment on this account is false. I have never been late on payments, and this inaccurate reporting is in violation of FCRA Section 623 ( b ) requiring furnishers to provide accurate information. I request immediate correction of this account to reflect accurate payment history. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account has been reported with false late payments. I have never missed or delayed payments as alleged. Such misreporting harms my credit profile and violates FCRA Section 611 and 623 ( a ). I demand correction of this account to reflect accurate payment history. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute all late payments listed for this account. These entries are false and unverified. I am requesting that all late payment markings be corrected to accurately reflect my payment history or removed completely if verification can not be provided. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment This account shows late payments that never occurred. I have maintained timely payments and have documentation to support this. Listing false late payments constitutes a violation of FCRA Section 623 ( a ) ( 1 ) ( A ). I request full correction of this account to remove all false negative information. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The reported late payment on this account is false. I have maintained timely payments at all times. FCRA Section 623 ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) require furnishers to report accurate information. I request correction of this account to reflect my actual payment history or removal of all false negative entries. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment status reported for this account is false. I have always made timely payments. Misreporting of this information violates FCRA Section 623 ( b ) and harms my creditworthiness. I request that all late payment notations be corrected or removed entirely. 
XXXX XXXX XX/XX/XXXX XXXX This hard inquiry was made without my authorization. Under FCRA Section 604 ( a ) ( 3 ), reporting unauthorized inquiries is prohibited. I request deletion of this inquiry from my credit file. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting unauthorized inquiries violates FCRA Section 604 ( a ) ( 3 ). I demand immediate removal of this inquiry from my credit report.

I request that all disputed accounts and inquiries be investigated within the 30-day period mandated by FCRA. I also request written verification of the investigation results and immediate removal or correction of any inaccurate, unverifiable, or unauthorized information. My credit file must reflect only verified and accurate information.

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