Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life. 
I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Late Payment Issue : Late payment is inaccurately reporting on a fully paid and closed account. 
Law : FCRA 607 ( b ) ; FCRA 611 Credit reporting agencies must ensure the maximum possible accuracy of the information they report.

Story : I discovered a reported late payment on this account even though it was paid in full and closed. The reporting is inaccurate and fails to reflect my responsible handling of the account. The alleged late payment occurred during a transition period when I was temporarily unemployed, but I immediately resolved the balance and maintained communication with the creditor. Since the account is closed with a {$0.00} balance, this derogatory remark misrepresents the account status and my creditworthiness. I request this late payment be removed to comply with FCRA standards of accurate and fair reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Status : Late Payment Issue : Late payment was reported due to a delay in setting up automatic payments after the account was opened. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report complete and accurate information.

Story : This late payment was the result of a technical error during the initial automatic payment setup. I believed that payments would be drafted automatically, but due to a system delay, one installment was missed. As soon as I realized the issue, I made the payment manually and continued on-time payments thereafter. The current reporting does not reflect this context and wrongly penalizes me for a good-faith error that was immediately corrected. I am requesting deletion of the late payment based on this legitimate explanation and in line with the FCRAs intent to report consumer information fairly. 
XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : Reporting a late payment on a loan that was paid in full and closed is misleading and inaccurate. 
Law : FCRA 611 ; 15 U.S.C. 1681i Credit reporting agencies must reinvestigate disputed data.

Story : This account was fully satisfied and closed after I completed the loan obligation. The reported late payment occurred during a personal hardship involving unexpected medical bills. Despite the challenge, I made every effort to keep the account current and ultimately paid it off in full. Continuing to reflect a derogatory payment on a closed account is unfair and does not present a full or fair picture of my financial behavior. I request this negative item be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Status : Charge Off Issue : Account was charged off without proper validation or notice, and lacks supporting documentation. 
Law : FCRA 1681s-2 ( a ) ; FDCPA 807 ; Metro 2 Compliance Reporting Guide Requires fair and accurate reporting of charged-off debts.

Story : I faced unexpected income loss which impacted my ability to make full auto loan payments for a short time. I reached out to the creditor and requested a payment arrangement, but was denied and subsequently charged off without being given adequate time or explanation. I have never received a proper accounting of the debt or proof that it was verified before being reported to Experian. This violates FCRAs requirement for accuracy and the Metro 2 standard for charge-off reporting. I request deletion of this account unless it can be properly validated with original documentation and itemized statements. 
XXXX. XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$54.00} Status : Charge Off Issue : Account was charged off for a very small amount without notifying the consumer. 
Law : FCRA 611 ; 15 U.S.C. 1681i Right to dispute incomplete or unverifiable information.

Story : I only became aware of this {$54.00} charge-off after reviewing my credit report. I never received a bill, a call, or a collection notice from XXXX XXXX XXXX or any affiliated collection agency. Had I been contacted, I would have paid it immediately. The reporting of a charge-off for such a small amount without even notifying the consumer is unjust and misleading. I request deletion of this item for failure to notify or validate the debt before damaging my credit file. 
RELIEF REQUESTED I respectfully request the CFPB to : 1. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose.

2. Direct the credit bureaus to delete the inaccurate addresses, inquiries, and account records if the furnishers can not provide proper validation. 
3. Hold furnishers accountable for violations of FCRA and FDCPA, including possible fines and corrective action.

4. Provide written confirmation to me once the records have been deleted or corrected.

5. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect.

These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request. 
Thank you for your time and assistance.

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