Consumer complaint received 2025-10-02 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:
I am filing this complaint against EXPERIAN for failing to comply with the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.25 ( a ) ). My Experian credit report, generated on XX/XX/XXXX, contains multiple inaccuracies, unverifiable late payment notations, and incomplete reporting that have caused substantial damage to my credit profile, creditworthiness, and financial opportunities. 

XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} ) Experian reports this account as open with a 30-day late payment in XX/XX/XXXX. This derogatory entry is inaccurate and unsubstantiated. By reporting unverifiable derogatory information, Experian is in direct violation of FCRA 1681e ( b ), 1681i, and 623 ( a ), as well as U.S. Federal Law prohibiting the furnishing of false consumer credit information. It also violates Cal. Civ. Code 1785.25 ( a ), which bars any furnisher from providing data that it knows or should know is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} ) Experian reports multiple late payments ( 30 and 60 days ) with inconsistent and incomplete data codes such as ND ( no data ). Inaccurate, incomplete, and unverifiable reporting is a violation of the FCRAs accuracy requirement and California law, which requires furnishers to correct or delete false information once a dispute has been made. 

XXXX XXXX XXXX  XXXX XXXX Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) This account is listed as closed with four late payments and flagged as previously in dispute. Experians continued reporting of derogatory information without verified substantiation is a violation of FCRA 611 ( failure to properly reinvestigate ) and 623 ( a ) ( furnishing inaccurate data ). This also violates California CCCRAA, which holds furnishers and reporting agencies accountable for knowingly disseminating inaccurate consumer credit data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX ) Experian reports five late payments with a combination of inaccurate entries ( 30, 60, 90 days past due ) and incomplete data marked as ND and CLS. This type of inconsistent, unverifiable reporting is prohibited under both the FCRAs accuracy standards and the California Consumer Credit Reporting Agencies Act.

Violations : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of credit information.

FCRA 1681i : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) : Unlawful furnishing of inaccurate or unverifiable information.

U.S. Federal Law : Prohibits the knowing furnishing of false, misleading, or unverified credit information.

California Civil Code 1785.25 ( a ) : Furnishers and reporting agencies may not provide credit information that they know or should know is inaccurate.

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