Consumer complaint received 2025-05-28 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 filing this complaint due to multiple inaccurate and damaging items reported on my credit file by various furnishers and credit reporting agencies. These include false charge-offs, misreported late payments, and collections accounts that are either not mine, inaccurately listed, or unverifiable. Despite my efforts to dispute these items directly with the credit bureaus, they remain unresolved, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Inaccurate Items Reported : Late Payments ( Notified but Not Validated ) : XXXX XXXX ( Account ending XXXX, and XXXX ) XXXX XXXX ( Account # XXXX ) Charge-Offs ( Falsely Reported ) : XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX ( Account # XXXX * ) XXXX  ( Account # XXXX * * * and XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Collection Account ( Unfamiliar and Unverified ) : XXXX XXXX XXXXXXXX XXXX  ( No account number provided ) Hard Inquiries ( Unauthorized or Related to Disputed Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Violations : These entries violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Reporting agencies must ensure the maximum possible accuracy of consumer information. 15 U.S.C. 1681i ( a ) CRAs must reinvestigate disputed items within 30 days. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reason to believe is inaccurate. 15 U.S.C. 1681s-2 ( b ) Furnishers must correct and update inaccurate or unverifiable information after receiving a dispute. I have not received any debt validation or proof that these derogatory items are legitimate. Some accounts may be the result of identity theft or clerical errors. I have attached [ FTC Identity Theft Report, dispute letters, credit reports, and any related correspondence ] to support my claims. Impact on Me : Due to these false entries : Ive been denied credit and financial opportunities. Ive experienced increased interest rates on existing accounts. Ive suffered stress and reputational harm. Relief Requested : Immediate deletion of all inaccurate charge-offs, late payments, and collections. Removal of all unauthorized or unnecessary hard inquiries. A full investigation into the furnishers and the CRAs ' reinvestigation processes. Written confirmation that these items have been corrected across all three credit bureaus. I respectfully ask the CFPB to ensure full enforcement of the FCRA and to protect my rights as a consumer. These ongoing inaccuracies are unjust and mustbeaddressed.

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