Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to report multiple inaccurate and potentially duplicate tradelines appearing on my credit report, in addition to an inquiry dated in the future. These entries include charge-offs and late payments from creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several of these accounts either lack high balance information, share the same open date, or reflect inconsistencies suggesting data duplication or faulty automated reporting. These issues remain unresolved despite prior dispute attempts and are in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Tradelines : XXXX  XXXX Account # XXXXXXXX XXXX Listed as a charge-off with a high balance of {$2700.00}, opened XX/XX/XXXX. This account has not been validated despite my request. I dispute its continued reporting under FCRA 611 and 623. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Reports late payments on a {$1500.00} account opened XX/XX/XXXX. The late status conflicts with my records and no supporting payment history has been provided. I request validation or removal. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX  Reported as a charge-off with no high balance listed, opened XX/XX/XXXX. This account lacks critical identifying and financial information and is therefore unverifiable. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also opened on XX/XX/XXXX and reported as a charge-off. This appears to be a duplicate entry of the previous XXXX XXXX account, which violates FCRAs mandate to report data with maximum possible accuracy under 607 ( b ). 

XXXXXXXX XXXX  Account # XXXXXXXX XXXX Yet another XXXX XXXX tradeline, opened XX/XX/XXXX, with a high balance of {$3200.00} and marked as charged off. This is the third entry sharing the same creditor and open date, strongly suggesting erroneous or duplicated reporting. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Charge-off account opened XX/XX/XXXX with a high balance of {$27000.00}. I dispute the charge-off designation and have not received documentation validating the amount or status. It remains unresolved in violation of FCRA 611 and 623. 

Disputed Inquiry : XXXX Hard Inquiry Dated XX/XX/XXXX This inquiry is dated in the future, which is not only inaccurate but suggests a data processing error or identity confusion. This inquiry must be deleted immediately under FCRA 604. 

Legal Concerns and Harm : These inaccurate, duplicate, and unverifiable entries have harmed my credit profile, caused denial of financial opportunities, and contributed to substantial emotional distress. The presence of future-dated inquiries and overlapping account data violates several FCRA provisions including : 607 ( b ) : Accuracy of information 611 : Reinvestigation of disputed information 623 : Responsibilities of furnishers 604 : Permissible purpose for inquiries Requested Action : I respectfully request the CFPB 's assistance in ensuring that all credit reporting agencies and furnishers involved : Conduct a full reinvestigation of the accounts and inquiry listed above Delete any duplicate, inaccurate, or unverifiable information Remove the future-dated inquiry from my report Provide written confirmation and an updated credit file If these issues are not resolved in accordance with federal law, I will escalate the matter to the FTC, my State Attorney General, and consider civil action under FCRA 1681n and 1681o for willful and negligent noncompliance.

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