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: MO

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau to report multiple inaccurate, outdated, or potentially unverifiable entries on my credit report. These items include charge-offs, late payments, and collection accounts that either lack supporting documentation, reflect duplicative entries, or are dated in the futuresuggesting errors in data handling or automated reporting. My previous disputes have not resulted in correction or deletion, in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXXXXXX High Balance {$1900.00}, Opened XX/XX/XXXX This charge-off remains unresolved. I have not received any documentation validating this debt despite prior requests. Under FCRA 611 and 623, any account that can not be verified must be removed. 

XXXX XXXX High Balance {$4200.00}, Opened XX/XX/XXXX A second, nearly identical charge-off from the same creditor appears on my report. This may be duplicative reporting, which inflates my debt profile and constitutes inaccurate credit data under FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX High Balance {$11000.00}, Opened XX/XX/XXXX Late payments are reported without validation or supporting account history. I dispute the delinquency and request a reinvestigation. 

XXXXXXXX XXXX XXXX XXXX High Balance {$24000.00}, Opened XX/XX/XXXX This account is marked with late payments that do not match my records. I have submitted disputes without receiving any original creditor verification, as required under FCRA XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXX XXXX High Balance {$250.00}, Opened XX/XX/XXXX This is a future-dated collection account, which is clearly invalid and can not be substantiated. It should be removed immediately under FCRA accuracy standards. 

XXXX XXXX XXXX High Balance {$2800.00}, Opened XX/XX/XXXX Another future-dated collection tradeline. Its presence not only violates FCRA but also raises concerns about the data management practices of the furnisher and the credit bureau. 

Legal Concerns and Harm : These inaccurate entries have caused me considerable harm including credit denials, higher financing costs, and undue emotional stress. The continued reporting of unverifiable or improperly dated tradelines violates the FCRA 's core provisions, including : 607 ( b ) : Failure to ensure maximum possible accuracy 611 : Failure to properly reinvestigate disputed items 623 : Reporting inaccurate or unverifiable information Requested Action : I am requesting that the CFPB compel the credit reporting agencies and furnishers involved to : Conduct a full reinvestigation of the accounts listed Provide original creditor validation for each item Permanently delete or correct all unverifiable, inaccurate, or improperly dated tradelines Confirm the results of these actions in writing with an updated credit report If these violations continue unaddressed, I intend to file additional complaints with the FTC, my State Attorney General, and seek relief through civil action under FCRA 1681n and 1681o.

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