Consumer complaint received 2026-04-30 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: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX TX XXXX Date : XX/XX/year> Subject : Formal Complaint of Violations of the FCRA, ECOA, and UCC Request for Investigation and Remediation To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint for investigation regarding multiple accounts being reported to consumer reporting agencies that appear to be in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ), and relevant provisions of the Uniform Commercial Code ( UCC Article 9, Secured Transactions ). Despite my repeated efforts to verify, validate, and correct inaccurate or unverifiable information, these accounts continue to be reported in a manner inconsistent with federal consumer protection statutes. Accounts in XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX In Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX Alleged Violations and Concerns FCRA Violations ( 15 U.S.C. 1681s-2, 1681i, 1681e ( b ) ) Inaccurate or unverifiable information reported to consumer credit bureaus. Failure to properly investigate my disputes within the legally prescribed time frame. Continued reporting of erroneous data after disputes were filed, in violation of 1681i ( a ) and 1681s-2 ( b ). ECOA Violations ( 15 U.S.C. 1691 et seq. ) Adverse actions and discriminatory credit reporting practices without providing proper notice as required under Regulation B. Failure to provide equal and fair treatment in credit decisions regarding these accounts. UCC Violations ( UCC 9-210, 9-609, 9-611, 9-623 ) Lack of verified contract or authenticated security agreement establishing lawful debt obligation. Absence of a lawful assignment, transfer, or proof of right to collect ( a requirement under the UCC for secured transactions ). Improper handling of collateral or reporting of alleged obligations without proof of perfected security interest. Relief Requested I request that the CFPB : Conduct a full investigation into the reporting and collection practices of the creditors listed above. Compel the furnishers to produce verifiable documentation proving each alleged debt, including signed consumer agreements and itemized statements. Ensure correction or removal of any inaccurate, unverifiable, or unlawfully reported information from my consumer reports. Enforce compliance with the FCRA, ECOA, and UCC regarding fair reporting, proper verification, and lawful collection. Declaration I affirm that the information contained in this complaint is true and correct to the best of my knowledge. I seek CFPB assistance in holding these entities accountable for statutory violations that have negatively affected my creditworthiness and financial standing. Sincerely XXXX XXXX XXXX

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