Consumer complaint received 2025-10-03 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 to the Consumer Financial Protection Bureau because I have discovered multiple inaccuracies and violations in my credit reporting that have severely damaged my credit profile, my ability to obtain fair lending, and my overall financial standing. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and furnishers are required to report information with maximum possible accuracy, conduct proper reinvestigations, and ensure consumer rights are not violated. The following accounts and inquiries have been reported inaccurately, unlawfully, and without proper documentation or verification. I demand immediate CFPB intervention to correct these violations. 

XXXX XXXX XXXX XXXX  High Balance : {$430000.00} Date Opened : XX/XX/XXXX Late Payment * * This account continues to show late payments that are not accurate or verifiable. According to FCRA 609 and 611, I have the right to request and receive the full documentation from the original creditor to substantiate any late reporting, yet no such proof has been provided to me. A mere electronic verification is not acceptable under federal law. Reporting unverified late payments harms my creditworthiness and places me in a position where I am being penalized without lawful evidence. I have asked repeatedly for signed documentation, billing statements, or any record that supports the dates of alleged delinquency, yet nothing has been produced. By allowing unverifiable information to remain, you are willfully ignoring your duty under FCRA XXXX to ensure maximum possible accuracy. If the late payments can not be validated with tangible evidence, they must be removed immediately from my credit profile. 

XXXX XXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Charge Off * * This XXXX Card account is being reported as a charge off, yet no proper validation has been provided to confirm the accuracy of this status. Under the FCRA and FDCPA, no account can legally be reported in a negative manner unless the creditor can fully validate the debt with original documentation. A charge off is a serious derogatory status that significantly impacts my score and financial opportunities, and continuing to report this without proof is a direct violation of my consumer rights. I have requested original signed contracts, payment histories, and charge off notices, yet none have been sent to me. FCRA 604 and 611 clearly mandate that information must be reinvestigated thoroughly and deleted if unverifiable. Without proper validation, this item must be deleted as it is being reported inaccurately and unlawfully. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge Off * * XXXX XXXX is showing a charge off that has not been validated despite multiple disputes. Under FCRA 623 and 611, the bureau has an obligation to ensure this data is accurate, complete, and verifiable. Simply parrot-verifying through an automated system does not meet the legal standard of reinvestigation required by law. I have never received any original agreement, signed application, or billing records that prove this alleged charge off is accurate. Continuing to report this account without producing documentation is negligent reporting and a violation of federal law. Without proof, the law requires this account to be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX Late Payment * * This account is showing late payments, yet no original proof or verification has been produced to validate them. The FCRA XXXX requires that a bureau conduct a reasonable reinvestigation, not a superficial confirmation from the furnisher. I have the right under XXXX to request the specific documents that support these claims. XXXX alleged late payments without furnishing billing statements, payment history, or contractual proof is inaccurate and misleading. Each time this item is reported falsely, it violates my rights under FCRA XXXX ( A ), which emphasizes fairness and accuracy. If no documentation exists to substantiate the late reporting, the account must be corrected or deleted in its entirety. 

XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Late Payment * * Ally Financial is reporting late payments that remain unproven after multiple dispute rounds. FCRA 623 requires furnishers to ensure maximum accuracy, and the bureau must delete unverifiable information under 611. No account statements, payment ledgers, or supporting documents have been provided to prove these alleged delinquencies. Continuing to report this account without proof is reckless and creates harm to my creditworthiness. This is no longer an innocent error but a willful violation of federal law. If the creditor can not provide full validation, this account must be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment history reported on this XXXX Auto account is inaccurate and unverifiable. Federal law requires that information furnished to consumer reporting agencies be accurate and capable of substantiation. Without providing original billing statements or a full payment history that proves the late dates, the bureau can not lawfully continue to report this information. FCRA 607 ( B ) mandates accuracy and completeness in reporting, and your failure to validate this information demonstrates negligence. Unless proper documents are provided, these late payments must be removed immediately from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Charge Off * * The XXXX XXXX XXXX account is still being reported as a charge off despite no validation being provided. Under the FCRA, any account being reported in a derogatory manner must be substantiated with verifiable proof. I have never received the original signed application, account statements, or official charge off notice that confirms the accuracy of this reporting. By law, unverifiable information must be deleted. Continuing to report this without evidence is a violation of FCRA 611 and 623. This item must be permanently deleted from my file if you can not prove it lawfully. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Charge Off * * This XXXXXXXX XXXX XXXX XXXXccount is still showing as a charge off with a balance, yet no validation has been provided to substantiate this claim. Under FCRA 602 ( A ), consumer reports must be accurate, fair, and verifiable. By failing to provide documentation such as account contracts, billing records, or notices of charge off, this reporting becomes inaccurate and misleading. The bureau has the legal obligation under 611 to reinvestigate and delete unverifiable data. If the creditor can not prove this charge off with original records, the account must be deleted immediately. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was reported without my permission and violates FCRA 604, which governs permissible purposes for credit inquiries. I never authorized this entity to access my credit file, and no signed application or record of authorization has been produced. Reporting inquiries without proof is a violation of accuracy and fairness under the law. This unauthorized inquiry must be deleted immediately since no valid purpose has been shown. 

The above accounts and inquiries clearly demonstrate repeated violations of my consumer rights under federal law. The credit bureaus and furnishers have failed to maintain maximum possible accuracy, failed to reinvestigate, and continued reporting unverifiable and unauthorized information. This complaint is being filed to the CFPB for immediate investigation, enforcement of compliance, and removal of all inaccurate, incomplete, and unverifiable accounts and inquiries listed above. The CFPB is entrusted to protect consumers from these unlawful practices, and I am requesting urgent corrective action to restore the accuracy and integrity of my credit report.

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