Consumer complaint received 2025-09-27 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:
I am writing to file a formal complaint against multiple creditors and furnishers for reporting inaccurate and harmful information on my credit reports. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, guarantees me the right to fair, accurate, and verifiable reporting. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair and deceptive reporting practices that damage consumers financial stability. Despite these laws, my credit files continue to reflect incorrect late payments and unverifiable entries that have severely harmed my financial standing, job opportunities, and peace of mind.

The following accounts are being reported inaccurately : XXXX. XXXX XXXX ( XXXX ) High Balance : {$300.00} | Open Date : XX/XX/XXXXXXXX  | Reported : Late Payment XXXX  XXXX is reporting late payments on this account without providing proper documentation or verification. According to the FCRA 609 ( a ) ( 1 ) and 611, I have the right to request the method of verification and the documentation used to substantiate these claims. To date, neither XXXX XXXX nor the credit bureaus have provided proof of the alleged delinquency. Reporting unverifiable late payments is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or incomplete information. This has caused unjust damage to my creditworthiness and constitutes willful noncompliance under FCRA 616. 

2. XXXX ( XXXX ) High Balance : {$17000.00} | Open Date : XX/XX/XXXXXXXX  | Reported : Late Payment XXXX XXXX  is listing this account with late payments, yet I have repeatedly disputed the accuracy of the reporting. Under FCRA 611 ( a ), a furnisher must conduct a reasonable investigation when a consumer disputes information. However, the continued reporting of this account without supplying evidence of contractual obligation, payment history validation, or proper notice of delinquency demonstrates a lack of reasonable investigation. This reckless reporting is also an FDCPA 807 ( 8 ) violation, as it communicates false credit information to third parties. The harm has been substantial, including denial of credit and increased loan interest rates, which directly violate my rights under federal law. 

XXXX. XXXX XXXX XXXX High Balance : {$23000.00} | Open Date : XX/XX/XXXXXXXX  | Reported : Late Payment XXXX XXXX XXXX is reporting late payments in a manner that conflicts with the FCRA. No written verification of the delinquency has been provided despite disputes. Reporting a late payment without providing complete records violates FCRA 623 ( b ) ( 1 ) ( A ), which obligates furnishers to investigate disputes and correct inaccurate information. XXXX continued reporting of unverifiable late payments is negligent at best and willful at worst. This practice undermines the intent of FCRA, which is to ensure fair and accurate credit reporting. 

These repeated violations across multiple accounts show a pattern of negligent, reckless, and harmful behavior by the furnishers and credit bureaus. The law is clear : inaccurate, incomplete, or unverifiable information must not remain on a consumers file. By failing to comply with the FCRA and FDCPA, these entities have unlawfully damaged my credit standing, resulting in financial harm, emotional distress, and an inability to obtain fair credit opportunities. 

I respectfully request that the CFPB take immediate enforcement action to ensure that these accounts are thoroughly investigated and that all unverifiable, inaccurate, and unlawfully reported items are permanently deleted from my credit reports. I also request that penalties and corrective actions be considered against the furnishers who have willfully disregarded their legal obligations. 

I am demanding relief under my rights in the FCRA 609623 and FDCPA 807808. I seek removal of the inaccurate late payments, a correction of my reports, and accountability for the unlawful reporting practices.

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