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: CA

Complaint narrative:
I am submitting this formal complaint to report inaccurate, unverifiable, and misleading information that is being reported by furnishers and credit reporting agencies, which is causing significant harm to my credit profile and violates my consumer protection rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal laws. I have previously attempted to resolve these issues directly with the credit bureaus and furnishers, but they failed to conduct a proper reinvestigation, failed to verify the information lawfully, and continued to report inaccurate data. I am therefore requesting the CFPBs immediate intervention to ensure full compliance with federal law and correction of all inaccurate information. 

XXXX XXXX * High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with inaccurate late payment data that has never been verified through original creditor documentation. I previously disputed this with proper identification, yet the bureau failed to conduct a lawful reinvestigation as required by FCRA 611 ( A ) ( 1 ). Reporting unverifiable late payments is a violation of FCRA 623 ( A ) ( 1 ) ( A ) and 607 ( B ). My record shows no delinquency ; thus, this continued reporting is defamation of credit under 1681i ( a ) ( 5 ). I am demanding full deletion unless you can provide documented proof directly from the original creditor validating the alleged late payments. 

XXXX XXXX High Balance : {$8000.00} Date Opened : XX/XX/XXXX Late Payment This account inaccurately shows late payments that are unverified and not supported by any authentic records from XXXX. Reporting false derogatory data after prior disputes without concrete documentation is a breach of FCRA 611 ( A ) ( 5 ) and 623 ( B ) ( 1 ). The failure to verify through reliable sources also violates FDCPA 807 ( 8 ) for communicating false credit information. I have never received any valid notice from XXXX or the bureau proving the accuracy of these delinquencies. Therefore, continued reporting of this unverified account is illegal and must be deleted from my credit file. 

XXXX XXXX XXXX XXXXXXXX * * High Balance : {$61000.00} Date Opened : XX/XX/XXXX Late Payment This account has been repeatedly reported with alleged late payments that I never made. Despite several disputes, no proof of verification from TD AUTO FIN has ever been provided. Reporting unverifiable late history violates FCRA 611 ( A ) ( 1 ) ( A ), 623 ( A ) ( 3 ), and FDCPA 807 ( 2 ) ( A ). By law, if the furnisher can not verify the exact dates, amounts, and nature of these alleged delinquencies, they must be deleted under 1681i ( a ) ( 5 ). Continued failure to correct this record after multiple notices demonstrates willful noncompliance, which is actionable under 616 for statutory and punitive damages. 

XXXX XX/XX/XXXX This inquiry was made without my written authorization and constitutes an impermissible pull under FCRA 604 ( A ) ( 2 ). I never applied for any credit with the XXXX XXXX XXXX on or around this date. Unauthorized access to my report violates 1681b ( f ) and 1681q for obtaining a consumer report under false pretenses. I demand this hard inquiry be deleted immediately as it was not initiated nor consented to by me.

I respectfully request the CFPB to ensure that the bureaus and furnishers delete or correct all inaccurate information, remove unauthorized inquiries, and provide me with a written confirmation of compliance. My goal is the complete accuracy, integrity, and lawfulness of my credit report.

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