Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute the reporting inaccuracies on my credit file and to request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. My credit report contains multiple accounts that are reported inaccurately, including late payments and charge-offs that are false or unverifiable. These inaccuracies are negatively impacting my creditworthiness, ability to obtain loans, and financial stability. I request the CFPB to oversee the investigation and ensure compliance with all applicable federal laws. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment * * I dispute the reported late payments on this account as inaccurate and unverifiable. The account shows delinquencies that never occurred, contradicting my payment records. I have consistently made timely payments according to the agreement with the creditor. The reporting of these unverified late payments violates FCRA 15 U.S.C. 1681i ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. Additionally, reporting false late payments without proper verification also violates FCRA 1681s-2 ( b ). These inaccuracies harm my creditworthiness and mislead potential creditors, causing financial distress. Repeated failure to correct this account after previous dispute rounds demonstrates negligence by the credit reporting agency. The reporting of unverifiable information is also potentially in violation of FDCPA 809, which prohibits false representations to collect a debt. I demand the agency reinvestigate this account thoroughly and remove any inaccurate late payment data. Any documentation used to support the reported delinquencies must be verified and provided. Continued reporting of these inaccuracies constitutes a willful violation of federal credit reporting law. This misreporting directly affects my ability to access financial services and loan opportunities. I expect a written confirmation of the reinvestigation results as required under FCRA. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * I dispute the reporting of this account as a charge-off because it is inaccurate and unverifiable. I have documentation showing the account was not in default and payments were made as required. Reporting a charge-off without verification violates FCRA 1681i ( a ) and 1681s-2 ( b ), which require agencies to confirm the accuracy of all reported information. Misreporting this account harms my credit profile, decreases my credit score, and affects my access to financial services. The agencys failure to investigate my previous disputes demonstrates continued negligence. Reporting inaccurate information also potentially violates FDCPA 807, which prohibits false or misleading representations. I demand immediate correction or deletion unless verified with proper supporting documentation. The agency must provide evidence substantiating the charge-off designation. Continued failure to correct this inaccurate reporting constitutes a willful violation of my rights under federal law. The repeated misreporting of this account has caused material harm, including denial of credit and increased interest rates. Any unverifiable negative data must be removed from my credit file immediately. I request written confirmation once this account is corrected. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * I dispute the reported late payments on this account, as they are inaccurate and unverifiable. My payment records indicate timely payments that contradict the reported delinquencies. The failure to provide documentation supporting these late payments violates FCRA 1681i ( a ) and 1681s-2 ( b ). Reporting unverified negative information materially harms my creditworthiness and violates my rights. The repeated failure to correct inaccuracies after prior disputes demonstrates negligence and noncompliance with federal law. The credit reporting agency is obligated to reinvestigate thoroughly and remove unverifiable information. Misreporting also violates FDCPA 807, which forbids false representation in debt collection. These inaccuracies have negatively impacted my ability to obtain credit and financial services. I demand complete reinvestigation and correction of this account. Any data that can not be verified must be removed immediately. The agencys continued reporting of these inaccuracies is a willful violation of FCRA and FDCPA obligations. I request written verification of the reinvestigation results and the removal of unverifiable late payments. Continued inaccuracies may result in further legal action to enforce my rights. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment * * I dispute the late payment reporting on this account, as it is inaccurate and unverifiable. Payment records show that I have not been delinquent as reported. FCRA 1681i ( a ) mandates reinvestigation of disputed items, and 1681s-2 ( b ) requires accurate reporting. The repeated misreporting of this account after prior disputes demonstrates failure to comply with federal law. Reporting false late payments harms my credit reputation and financial opportunities. Misrepresentation may also constitute a violation of FDCPA 807, which forbids false statements in debt reporting. I request immediate correction or removal of these inaccurate entries. Documentation used to support these alleged delinquencies must be verified and shared. Continued reporting of unverifiable negative information is a violation of my rights. The agencys negligence in correcting this account after multiple dispute rounds shows willful noncompliance. Removal of any unverifiable late payments is required under law. I demand written confirmation of reinvestigation results and proper correction of my credit file. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * I dispute the reporting of late payments on this account, as they are inaccurate and unverifiable. My records show timely payments that contradict the reported delinquencies. FCRA 1681i ( a ) requires the agency to conduct a reasonable reinvestigation, and 1681s-2 ( b ) mandates verification before reporting. Repeated reporting of false information harms my creditworthiness and financial opportunities. FDCPA 807 also prohibits false statements regarding debt. The failure to correct this account after prior disputes demonstrates willful noncompliance. I request immediate removal of any unverifiable negative entries. The agency must verify any supporting documentation and provide written proof. Continued inaccurate reporting constitutes a violation of federal law. I demand written confirmation once this account has been corrected. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment * * I dispute the late payment entries on this account as inaccurate and unverifiable. My records contradict the reported delinquencies. Under FCRA 1681i ( a ) and 1681s-2 ( b ), the agency must conduct a full reinvestigation and remove unverifiable information. Repeated failure to correct this account after prior disputes demonstrates negligence and noncompliance with federal law. Misreporting also violates FDCPA 807. The continued reporting of these inaccuracies harms my credit profile and access to financial services. I demand immediate correction or deletion of unverifiable entries. Documentation used to support late payments must be verified and provided in writing. The agencys failure to correct these inaccuracies constitutes willful violation of FCRA and FDCPA requirements. I expect written confirmation of the reinvestigation results and immediate correction of my credit file. 

I request that the CFPB ensure compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, overseeing the reinvestigation and correction of all inaccurate information listed above. Each account listed has been disputed with supporting documentation provided, and these inaccuracies continue to cause material harm. I demand that all unverifiable or inaccurate information be corrected or deleted promptly. The CFPBs intervention is necessary to ensure that my consumer rights are protected and that my credit report reflects accurate, verified, and lawful 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