Consumer complaint received 2025-12-08 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:
I am filing this complaint because multiple accounts on my credit report are being reported inaccurately unlawfully and without proper verification the furnishers and credit bureaus violated the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 including 1681e ( b ) for failure to report accurate information 1681i for failing to properly investigate disputes and 1681b for unauthorized credit inquiries the false reporting has damaged my credit score and caused financial harm and emotional stress I am requesting immediate CFPB intervention and full investigation XXXX XXXX L Acct XXXX Open Date : XX/XX/XXXX High Balance : {$3700.00} Reported as Late Payment Issue : I am disputing the late payment because I never made a late payment on this account at any time the servicer failed to update the payment history accurately and it appears that a system-generated error or misapplied payment caused this false reporting I have proof that my payments were made on time and under FCRA 1681e ( b ) you are required to report accurate and verified information only this late payment is damaging and unverified and I am demanding immediate correction and removal of the false late history XXXX XXXX XXXX Acct XXXX Open Date : XX/XX/XXXX High Balance : {$2300.00} Reported as Late Payment Issue : This account also contains falsely reported late payments which I never made the servicer failed to maintain accurate books and records and therefore the late payment can not be verified according to FCRA 1681i and 1681s-2 the furnisher must maintain complete and accurate payment documentation and they failed to do so I demand full correction and deletion of the false late mark XXXX & XXXX Acct XXXX XXXX XXXX : XX/XX/XXXX High Balance : {$1300.00} Charge Off Issue : I have no knowledge of this account I never entered into any agreement with this company and I have never received validation or proof that this debt belongs to me this appears to be an unverified and inaccurate collection/charge-off placed without my consent or knowledge under FCRA 1681b and 1681c a debt can not be reported without proper verification and without proof of ownership I am demanding complete deletion because this account is unverified fraudulent and improperly reported HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I never authorized this hard inquiry and there was no permissible purpose under FCRA XXXX this is an unauthorized pull and must be removed immediately XXXX XXXX NA Inquiry Date : XX/XX/XXXX Issue : Again I never authorized this inquiry and reporting it without my consent violates FCRA 1681b all unauthorized inquiries must be removed Because these furnishers failed to maintain verifiable documentation and reported inaccurate damaging information I am asking the CFPB to investigate force proper verification and require the deletion or correction of all inaccurate items immediately thank you for reviewing my complaint and assisting with resolution

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