Consumer complaint received 2025-08-13 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:
To Whom It May Concern, I am filing this complaint regarding multiple inaccuracies, wrongful reporting, and unauthorized inquiries appearing on my credit report. These errors have caused significant damage to my creditworthiness, resulting in stress, financial loss, and potential denial of credit. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request immediate investigation and correction of each item listed below. Each entry includes the account/address/inquiry, the specific issue, applicable law, and a detailed explanation. 
Account Disputes XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Issue : Incorrect late payment reported Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Requires accurate reporting of payment history.

Story : All payments for this account were made on time, yet it is reported as late. This inaccuracy has impacted my creditworthiness and credibility with lenders, creating unwarranted stress and potential denial of new credit applications. Such false reporting violates federal law and negatively impacts my financial standing. Correcting this record is essential to reflect my true payment history. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} * * Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ) Story : Despite making timely payments, this account is inaccurately reported as having a late payment. This has unjustly lowered my credit score and impacted my financial opportunities. Errors like this erode trust between consumers and financial institutions and are violations of federal regulations designed to protect consumers from inaccurate reporting. 
XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Incorrect late payment Law : FCRA Section 611 Requires investigation and correction of disputed information within 30 days.

Story : This account has had all payments made on time. Reporting a late payment falsely depicts financial irresponsibility and has negatively impacted my ability to obtain credit or refinance existing accounts. Correcting this error is vital to prevent further negative consequences on my credit profile. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Issue : Incorrect chargeoff Law : FCRA Sections 602, 607, 623 Story : This account has been fully settled, yet it is reported as a chargeoff. Such false reporting misleads lenders and potential creditors, adversely affecting my ability to obtain loans, favorable interest rates, or even employment in finance-related roles. Immediate correction is necessary to prevent ongoing damage to my credit reputation. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ), FDCPA Section 807 Story : Timely payments have been made on this account, yet it is reported as late. The erroneous entry harms my credit score, reduces my eligibility for credit, and may lead to unnecessary collection actions. Correcting this entry is required to restore the accuracy and reliability of my credit report. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section 623 ( a ) ( 1 ) Story : No late payments have occurred, yet the account is reported inaccurately. This misreporting creates unnecessary stress, reduces my credit score, and can lead to rejection of credit applications or increased interest rates. Correcting this is legally mandated under FCRA. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} * * Issue : False late payment Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Story : Payments were made according to the agreed schedule. Reporting a late payment is inaccurate and has caused significant negative impact on my credit score, resulting in financial difficulties and potential denial of credit. Immediate correction is necessary. 
XXXX Account # XXXXXXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ) Story : Payments were timely, yet inaccurately reported as late. This creates unnecessary financial stress and misrepresentation to lenders, negatively impacting my financial reputation. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False late payment Law : FCRA Section 611 Story : All payments were timely, yet reported as late. This incorrect reporting negatively impacts my credit score and could hinder future credit opportunities. Immediate correction is legally required. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} * * Issue : False chargeoff Law : FCRA Sections 602, 623 Story : Account is current and paid ; reporting it as a chargeoff is misleading and harmful to my credit profile. Immediate correction is required. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Issue : False chargeoff Law : FCRA Sections 602, 607, 623 Story : The account has been settled and reporting as chargeoff is inaccurate. This false information misleads lenders and affects my ability to secure credit. 
XXXX  Account # XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} * * Issue : Incorrect collection Law : FCRA Sections 602, 607, 623 Story : This account is incorrectly reported as a collection. Such misreporting diminishes my creditworthiness and can lead to denial of credit or loans. Correction is mandatory. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$920.00} * * Issue : False chargeoff Law : FCRA Sections 602, 607, 623 Story : Payments were made on time ; listing as chargeoff is false and damages my credit profile. Immediate correction is essential. 
XXXX  Account # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : False late payment Law : FCRA Section 609 ( a ) ( 1 ) Story : No late payment occurred. Reporting as late misrepresents my financial responsibility and harms my creditworthiness. 
Inquiry Disputes All inquiries below were unauthorized or inaccurately reported, violating FCRA Section 604 ( a ) ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Issue : Unauthorized or inaccurately reported inquiries Law : FCRA Section 604 ( a ) ( 3 ) Story : Many inquiries were not authorized by me or are duplicates. Unauthorized inquiries artificially lower my credit score, negatively impacting loan approvals and interest rates. Removing these inquiries is legally required and essential to restore the integrity of my credit profile. 
I request that each dispute be fully investigated and corrected as required by federal law. These inaccuracies have caused significant financial harm, stress, and potential denial of credit. I expect timely resolution and confirmation of correction.

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