Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple inaccurate and unverifiable items appearing on my credit report. These entries include charge-offs, collections, and late payment histories that are either false or not supported by any verified documentation. Despite my good faith efforts to maintain accurate records, these errors are negatively affecting my creditworthiness. 
Below are the specific accounts in question and the details of the inaccuracies : XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Reported as Charge Off I have no knowledge of this account being charged off. I have never received any notice of default, nor did I stop making payments that would justify this status. Please provide proper documentation including the original signed application, complete payment history, and any correspondence allegedly sent to me. If you can not validate this information with certified evidence, please delete the account entirely from my credit report. 
XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Reported as Late Payment This late payment reporting is completely inaccurate. I have consistently made timely payments on this account, and no statement or communication from the creditor has ever indicated delinquency. Please review your records carefully and correct all inaccurate payment entries to reflect an unblemished on-time payment history. Any continued misreporting violates FCRA and the Fair Credit Billing Act. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Reported as Late Payment I have always paid this account responsibly. I have verified my own records, and there is no history of late payments as claimed. This reporting error is damaging and misrepresents my credit behavior. I respectfully request immediate correction of all payment history and removal of any false late marks. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} Reported as Charge Off I do not recognize this charge-off, nor was I ever notified about such an action by XXXX. Please provide full proof of this alleged default, including detailed statements and written notice. If this account can not be verified as accurate and lawfully reported, it must be deleted from my report per FCRA guidelines. 
XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9200.00} Reported as Late Payment This is another instance of incorrect late payment reporting. My records show no delinquency on this account, and I have never been notified otherwise. Please review the creditors submission for accuracy, and remove or correct all false payment data. Continuing to report inaccurate payment history without proof violates my consumer rights under the FCRA. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Reported as Charge Off I do not recognize or acknowledge this charge-off. Please provide legal documentation showing that I defaulted, along with a copy of the original contract and full payment history. If you can not verify this information with credible evidence, please delete it entirely. False reporting of charge-offs causes serious damage to consumer credit profiles. 
XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Reported as Charge Off I have no knowledge of this account. It may be the result of a reporting error or possible identity confusion. Please verify with the original creditor and provide all supporting documentation proving this account is mine. If such verification is not possible, I request immediate deletion of this account. 
XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reported as Collection I have no record of this collection account. I request full validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original creditors name, account number, and all supporting documents proving the debts validity. If you can not provide this information, the item must be deleted immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Reported as Collection I do not recognize this XXXX XXXX collection. No billing statements, collection letters, or calls have been received regarding this alleged debt. Please verify it with the original creditor. If validation is not completed, please remove the item as unverifiable and inaccurate. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off It is illogical and misleading to list a {$0.00} balance account as charged off. This reporting appears to be an error. Please update the status to Paid/Closed in Good Standing or remove the account entirely. Continued misreporting can be considered negligent noncompliance with FCRA. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Reported as Charge Off I do not recall authorizing or maintaining this account. Please provide complete account verification from XXXX XXXX, including signed documentation and payment details. If this account can not be confirmed as accurate, I request its immediate deletion from my credit file. 
Requested Resolution : I respectfully request that CFPB initiate a thorough investigation into these accounts and ensure that all inaccurate, unverifiable, or fraudulent items are removed or corrected. The creditors and credit bureaus should be held accountable for any violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for reporting unverified or misleading information. 
Please confirm that the investigation has been initiated and provide updates on each accounts resolution. 
Thank you for your time and for protecting consumer rights.

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