Consumer complaint received 2025-10-17 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:
I am filing this complaint because several items being reported on my credit file are false, inaccurate, and unverifiable. These errors violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate and full investigation into the inaccurate address, charge-off, late payment account, and unauthorized inquiry listed below. The continued reporting of these items is causing serious harm to my credit profile and financial reputation. 

ACCOUNT : XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Charge Off * * This account is being reported as a charge off, but XXXX has not provided any verifiable documentation showing I opened or authorized this account. Under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ), you are obligated to verify all information with the original creditor and provide proof to the consumer. No original contract, signed agreement, or billing history has been provided in previous rounds, which confirms the reporting is unverifiable. Continuing to report this item without proper validation is a violation of FCRA 602A and 607 ( b ), and it must be permanently deleted. 

ACCOUNT : XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payments * * This account reflects late payments that are inaccurate and unverified. Under FCRA 611 ( a ) and 623 ( b ) ( 1 ) ( D ), the furnisher must correct or delete information that can not be substantiated. I have repeatedly requested verification of the alleged late payments, but no creditor documentation has been supplied. Reporting unverifiable payment history violates the accuracy requirements of 607 ( b ). The bureau has failed to ensure maximum possible accuracy as required by law, which has caused me ongoing harm and misrepresentation of my payment history. 

ACCOUNT : XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Late Payments * * This account continues to reflect false late payment data despite multiple disputes. XXXX XXXX has not provided any legitimate record proving I was late or that proper billing statements were sent. Under FCRA 611 ( a ) ( 1 ) ( A ), if an item can not be verified, it must be removed. The continued presence of inaccurate payment information violates both 602A and 607 ( b ), which guarantee fairness, accuracy, and integrity in consumer reporting. The account must be deleted or corrected immediately under 611 ( a ) ( 5 ) ( A ). 

INQUIRY : XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my written authorization or permissible purpose as defined under FCRA 604 ( a ) ( 2 ). I never gave consent for this inquiry, and the failure to validate its lawful purpose makes it a clear violation of 604 and 607 ( a ). The bureau is required under 611 ( a ) ( 1 ) ( A ) to remove any inquiry that can not be verified as having permissible intent. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) ensure that the credit reporting agencies and furnishers involved perform a proper reinvestigation, delete or correct all inaccurate data, and provide written proof of compliance. These repeated violations of federal law have caused me financial and emotional harm. I am demanding full accountability and the immediate deletion of all disputed items from my credit record.

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