Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am filing this formal complaint regarding multiple creditors, debt collectors, and loan servicers that are reporting inaccurate, incomplete, and unlawful information on my credit reports in violation of 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.

Despite my repeated attempts to dispute and correct these errors with the furnishers and credit reporting agencies, the following accounts continue to reflect inaccurate and damaging information : XXXX XXXX XXXXXXXX XXXX High Balance : {$210000.00} Opened : XX/XX/XXXX Reported Late Payment XXXX  XXXXXXXX XXXX  High Balance : {$5600.00} Opened : XX/XX/XXXX Reported Charge Off XXXX  XXXX XXXX XXXX High Balance : {$710.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$550.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX High Balance : {$650.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX XXXX XXXX High Balance : {$2900.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXXXXXX XXXX High Balance : {$600.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$660.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX XXXX High Balance : {$1300.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX  High Balance : {$1000.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX High Balance : {$40000.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX  High Balance : {$18000.00} Opened : XX/XX/XXXX Reported Charge Off XXXXDOFED XXXX XXXX High Balance : {$39000.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX  High XXXX : {$27000.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX High Balance : {$25000.00} Opened : XX/XX/XXXX Reported Charge Off XXXX XXXX XXXX High Balance : {$28000.00} Opened : XX/XX/XXXX Reported Late Payment XXXX XXXXXXXXXXXX XXXX High Balance : {$2500.00} Opened : XX/XX/XXXX Reported Collection XXXX XXXX XXXX  High Balance : {$540.00} Opened : XX/XX/XXXX Reported Collection XXXX XXXX XXXX  High Balance : {$2500.00} Opened : XX/XX/XXXX Reported Collection XXXX XXXX XXXX XXXX High Balance : {$1000.00} Opened : XX/XX/XXXX Reported Collection XXXX XXXX & XXXX XXXX XXXX High Balance : {$1500.00} Opened : XX/XX/XXXX Reported Collection Grounds for Complaint : Inaccurate and Unverified Reporting : Several of these accounts contain reporting errors, including incorrect balances, dates, statuses, and duplicate entries. Under FCRA 602 ( A ) and 607 ( B ), furnishers must ensure maximum possible accuracy of information.

Failure to Properly Investigate Disputes : Despite disputes submitted directly to the furnishers and credit reporting agencies, no proper reinvestigation has been conducted as required by FCRA 611.

Improper Collection Reporting : Some collection accounts may be re-aged or reported outside the permissible 7-year reporting window in violation of FCRA 605 ( a ).

Potential FDCPA Violations : Collection agencies may be attempting to collect debts not properly validated under FDCPA 809 ( 15 U.S.C. 1692g ).

Requested Action : Conduct a full investigation into each of the above furnishers and their reporting practices. 

Order the immediate deletion or correction of inaccurate, unverifiable, or unlawful entries. 

Ensure that all furnishers provide written proof of validation for any debts being reported. 

Hold the furnishers and debt collectors accountable for violations of the FCRA and FDCPA.

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