Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I am submitting this complaint because my Experian credit report is containing multiple inaccurate, misleading, and unverified accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my creditworthiness and creating a false impression of my financial history, and despite my rights under federal law these items are being reported without proper validation or correction. 

The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} is being reported with late payments even though the account has no balance, which is factually impossible and a false representation of my payment history. The account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$550.00} is being reported as a charge-off without proper verification or complete documentation. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00} is being shown as a charge-off, which is contradictory and inaccurate because a XXXX balance can not simultaneously be a charge-off. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$110.00} is reporting false late payments that never occurred, and this error is harming my credit reputation. 

The account XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$8900.00} is also being reported with late payments that are inaccurate and unverified. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$8200.00} is listed as a charge-off without proof, and this reporting is incomplete and harmful. The account XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00} is reporting late payments, which again is not possible on a XXXX balance account and shows clear inaccuracy. Finally, the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$280.00} is listed as a collection without proper validation as required under FDCPA 809 ( a ).

These inaccurate entries are in direct violation of FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and FCRA 611, which requires deletion or correction if the information can not be verified. Reporting late payments on XXXX balance accounts, charge-offs without evidence, and collections without validation are all unlawful practices that create misleading and damaging information on my report. 

I am requesting the Consumer Financial Protection Bureau to take enforcement action and require Experian and the furnishers of these accounts to either provide full validation with proper documentation or delete these false and unverified accounts from my credit file. My credit report must reflect only accurate, complete, and verifiable information, and these violations must be addressed immediately in compliance with federal law.

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