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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple inaccurate and damaging items being reported on my credit file in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These items are false, misleading, and are causing severe harm to my creditworthiness, financial stability, and overall well-being. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/year> Reported as Late Payment. Issue : This account is inaccurately reported with late payment history. I never made any late payments on this account and always maintained it in good standing. Reporting it as late is a direct violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. This false reporting damages my creditworthiness and misrepresents my payment history. I demand that this inaccurate late payment status be removed immediately and the account history corrected to reflect an on-time status. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$4200.00} Date Opened : XX/XX/year> Reported as Late Payment. Issue : This account is wrongly reported with delinquencies that never occurred. I have no knowledge of ever missing payments with this creditor. This false information is misleading, damaging, and unlawful. Under FCRA 1681i, I have the right to dispute inaccurate or incomplete information, and the bureau and furnisher are legally required to conduct a reinvestigation. This inaccurate reporting has resulted in unfair harm to my credit file, and I demand immediate correction to reflect timely payment history. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/year> Reported as Late Payment. Issue : This account is also incorrectly showing late payments. I dispute this as false, misleading, and harmful. I have not been late on this account, and any claim otherwise is inaccurate. Reporting false delinquencies is a violation of FCRA 1681s-2 ( a ), which prohibits furnishers of information from reporting information they know or should know is inaccurate. I demand correction of this tradeline immediately. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXXXXXX Reported as Bankruptcy. Issue : This reporting is inaccurate and misleading because I never filed for XXXX XXXX  Bankruptcy under this reference number. It is unlawful for the credit bureau to report a bankruptcy that does not belong to me. FCRA 1681c prohibits the inclusion of false public records on a consumers report. This reporting creates severe damage to my personal and financial life, and it has led to credit denials and embarrassment. I demand immediate deletion of this bankruptcy entry as it is not accurate or verifiable. 
The continued reporting of these false items is negligent and willful noncompliance with the law under FCRA 1681n and 1681o and it has caused me serious harm including credit denials, higher interest rates, financial stress, and damage to my personal reputation. I am requesting the Consumer Financial Protection Bureau to enforce compliance with the law and to ensure that these inaccurate and unverifiable items are immediately corrected or deleted. If this matter is not resolved within the required timeframe, I reserve the right to pursue legal remedies and damages.

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