Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate and unverified accounts that are being reported to my credit file by the following creditors. These items are damaging my creditworthiness, and despite my prior disputes, the furnishers have failed to provide proper verification or remove the inaccurate data as required under federal law. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account is inaccurately showing late payments. I have never been late on this account. The Department of Education and its servicers are required under FCRA Section 623 ( A ) to report accurate and verifiable data. This late payment information is false and is harming my credibility. 
XXXXEPT OF ED/AIDVXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account history is completely incorrect. I have made consistent, timely payments, and there is no record of delinquency that can be verified through legitimate documentation. 
XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account also reflects a false late payment notation. The servicers reporting is inaccurate and inconsistent with my actual payment record. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This late payment reporting is untrue. I have proof of timely transactions and consistent payment activity. This reporting violates FCRA XXXX ( B ), which mandates the utmost accuracy in credit data. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This record has been carelessly and inaccurately submitted. It has caused significant and unfair harm to my credit rating, leading to denials of financial opportunities. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment The reporting of late payments here is entirely false. This is a pattern of negligent reporting that demonstrates the servicers failure to comply with federal law and consumer protection regulations. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account is being reported inaccurately with late payments. I have never made any late payments, and there is no verifiable proof to support these claims. This false information violates FCRA XXXX ( B ), which requires data furnishers to maintain the highest level of accuracy. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment The late payment status reported on this account is untrue. I demand that the reporting agency and XXXX conduct a proper reinvestigation under FCRA XXXX ( A ) and provide verified proof of any alleged delinquency, or immediately correct the reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This record is another example of false reporting by Aidvantage. I have never failed to make on-time payments, and this false history is damaging my creditworthiness, causing me financial harm and emotional distress. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment The late payment information listed here is inaccurate and unsubstantiated. The servicer is in direct violation of FCRA XXXX ( A ) ( XXXX ) ( A ), which prohibits the reporting of data known or believed to be inaccurate. I am demanding immediate correction. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment I have consistently made timely payments on this account. Any reported delinquency is entirely false and must be removed. The repeated appearance of false late designations across multiple Aidvantage accounts demonstrates systemic negligence in reporting. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account is being reported as having late payments, which is false. This small balance account was never delinquent. XXXX Bank is in violation of FCRA XXXX ( B ) for reporting inaccurate information and FCRA XXXX ( A ) for failing to ensure completeness and accuracy before furnishing data. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment CREDIT XXXX BANK has falsely reported this account as late, despite my history of timely payments. This false reporting has directly impacted my XXXX XXXX and has caused loan denials and higher credit costs. Under FCRA XXXX, I am requesting a full reinvestigation and immediate correction of this account. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : False Collection Account I have no knowledge or association with this alleged debt. I have never had any dealings or agreements with XXXX XXXX XXXX. This collection entry is entirely inaccurate, unverifiable, and must be deleted immediately under FCRA XXXX ( A ) and XXXX ( A ) ( XXXX ) ( A ). Furnishers are legally prohibited from reporting accounts that can not be fully verified. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : False Charge-Off This account is being reported as a charge-off despite showing a XXXX balance. This is contradictory, misleading, and in violation of FCRA XXXX ( B ) which mandates maximum possible accuracy in credit reporting. I have never defaulted or failed to make payment on any XXXX account. This false charge-off entry must be removed immediately. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : False Charge-Off This charge-off status is completely inaccurate and damaging. A charge-off can not exist where there is no outstanding balance, and this inconsistency clearly shows negligent or automated reporting errors by XXXX XXXX XXXX This account must be corrected or deleted entirely under FCRA XXXX. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : False Charge-Off This entry falsely indicates a charge-off, even though there was never a delinquency or unpaid balance. Affirm has clearly failed to ensure accurate reporting, in violation of FCRA 623 ( A ) ( 1 ) ( B ) which prohibits furnishing data without verifying its correctness. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported Late Payment This account is being reported with a late payment status, which is completely false. I have never made any late payments to Affirm, and this inaccurate reporting has harmed my credit score. Affirms negligence violates FCRA XXXX ( B ), which requires all furnished data to be precise and verifiable. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported Late Payment This late payment record is incorrect and unsubstantiated. XXXX has failed to provide any verification or valid evidence of delinquency. This error has caused financial damage, stress, and reputational harm. I am requesting a full reinvestigation under FCRA XXXX ( A ) and immediate removal of this false data. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported Late Payment This account is incorrectly showing a late payment. I have never made any late payments to Affirm, and there is no verifiable proof supporting this claim. The account also reflects a XXXX balance, which further proves that any late payment reporting is false. Affirm has violated FCRA 607 ( B ) and 623 ( A ) ( 1 ) ( A ) by reporting inaccurate and misleading data that damages my credit reputation. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX : Reported Late Payment This account is being reported as having late payments, which is completely inaccurate. I have never been late on this account, and XXXX XXXX XXXX XXXX has failed to provide any verification of delinquency. Reporting a late payment when the balance is XXXX is contradictory and constitutes negligence under FCRA 607 ( B ). I demand immediate correction to reflect an accurate payment history.

UNAUTHORIZED OR UNVERIFIED HARD INQUIRIES : The following inquiries have been listed on my credit report without my authorization or legitimate consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), no entity is allowed to access or pull a consumers credit report without a permissible purpose. These inquiries were made without my knowledge or approval and must be deleted immediately. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX POLICE AND FIRE FCU/PA Inquiry Date : XX/XX/XXXX I did not authorize any of these companies to access my credit file. Each inquiry has lowered my credit score and has negatively impacted my financial opportunities. These are clear violations of FCRA 604 ( f ), which prohibits obtaining consumer credit reports without express consent or a permissible purpose. Each inquiry must be fully investigated and deleted from all credit reporting agencies ( Experian, Equifax, and TransUnion ).

Legal Basis and Requested Action These inaccurate reports constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically : Section 602 ( A ) Accuracy and fairness in credit reporting.

Section 611 Duty of consumer reporting agencies to investigate disputed information.

Section 623 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete unverifiable information. 
I request that the CFPB open a full investigation into these accounts, ensure that both XXXX XXXX XXXX and XXXX XXXX comply with federal law, and confirm removal of all unverified and inaccurate entries from my credit file. 
Additionally, I am requesting written confirmation that an investigation has been completed and documentation showing the results and any corrective actions taken.

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