Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute certain items on my Experian credit report, as provided by your agency. My name is XXXX XXXX XXXX, my Date of Birth is XX/XX/XXXX, and my Social Security Number is XXXX. Below are the details of the accounts I am disputing : XXXX. XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The account status shows positive, but the balance and payment history are inconsistent with my records. 
FCRA Violations : Failure to accurately report the correct status and payment history under Section 607 ( b ) ( FCRA ).

Data Breach Concerns : Please confirm whether this account has been affected by any data breach. 
XXXX. XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collection - Installment ) XXXX XXXX  Issue : The account is marked as open with a balance of {$1200.00}, but this account should not have been placed for collection without proper verification under Section 611 of the FCRA.

FCRA Violations : Inaccurate reporting and failure to provide sufficient evidence of the debt under Section 609 of the FCRA.

Data Breach Concerns : Please confirm the legitimacy of this account and if there are any breaches involving this account. 
XXXX. DEPT OF EDXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Installment - Student Loan ) XXXX XXXX Issue : This account is reported as 180 days late with a balance of {$570.00}, which is inaccurate. The last payment was made on XX/XX/XXXX, and this account should not reflect this level of delinquency. 
FCRA Violations : Inaccurate reporting of late payments, violating Section 605 ( FCRA ) regarding the reporting period.

Data Breach Concerns : Please confirm whether this account has been compromised due to a data breach. 
XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Secured Installment ) XXXX XXXX  Issue : The account shows as closed, but the payment status and balance do not reflect the true history. 
FCRA Violations : Inaccurate reporting under Section 605 ( a ) ( FCRA ).

Data Breach Concerns : Please verify if this account has been part of a data breach. 
XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Secured Installment ) XXXX XXXX Issue : This account is marked as closed with a XXXX balance, but it shows incorrect late payment history. 
FCRA Violations : Failure to properly report the account status under Section 607 ( b ) ( FCRA ).

Data Breach Concerns : Please confirm if this account has been affected by any data breach.

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