Consumer complaint received 2025-07-08 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 submitting this formal complaint against Experian for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. Despite multiple attempts to resolve these issues directly with Experian, the inaccurate information remains on my credit file, causing me severe financial and emotional distress. Below are the accounts in question : XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late Payment Violation : FCRA 602 ( A ), 607 ( B ), 611, 623 ( a ) ( 1 ) ( A ) Explanation : This account reflects late payments which I dispute as inaccurate and not fully verified by XXXX XXXX. Experian failed to conduct a reasonable reinvestigation as required under FCRA. These late notations are damaging my score and are unverifiable. 
XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$21000.00} Issue : Late Payment Violation : FCRA XXXX07 ( B ), 611 ( A ), 623 ( B ) Explanation : This account contains late payment history that I do not recognize. I requested validation and proper investigation which was not adequately performed by Experian. It remains on my file despite being disputed. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$990.00} Issue : Late Payment Violation : FCRA 623 ( a ) ( 5 ), 611 ( A ), FDCPA 809 ( b ) Explanation : I never received any billing or notification from Affirm regarding any missed payment. The account should not report derogatory information that is not communicated to the consumer. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$130.00} Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( A ) Explanation : This is a minor balance and was paid on time. The late status appears to be a reporting error. I attempted to dispute it, but Experian did not take any corrective action. 
XXXX XXXXXXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX High Balance : {$110.00} Issue : Late Payment Violation : FCRA 623 ( B ), 607 ( B ) Explanation : This account was closed in good standing, but Experian is reporting a late payment that is completely inaccurate. This false report is harming my creditworthiness. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$96.00} Issue : Late Payment Violation : FCRA 602 ( A ), 623 ( B ), 611 ( A ) Explanation : I believe this account was reported late in error or due to Affirm 's internal processing delay. I never received proper disclosure or a chance to cure any alleged delinquency. 
Bankruptcy Reference Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Incorrect Bankruptcy Reporting Violation : FCRA 602 ( B ), 607 ( B ), 611 ( A ) Explanation : This bankruptcy is inaccurately associated with my profile. I have never filed for bankruptcy in the state of Missouri or under this case number. Experian is reporting someone else 's public record on my report, which is a serious breach of their duty under FCRA to ensure maximum possible accuracy. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24.00} Issue : Late Payment Violation : FCRA 623 ( a ) ( 1 ) ( A ), 607 ( B ), 611 Explanation : This account reflects a negative status for a small amount that I have paid in full. I dispute the timeliness of the reporting and believe this is damaging to my report for no substantial reason. 
Final Complaint Statement : Experian has continuously failed to fulfill its legal obligations to report only accurate and verifiable information under the Fair Credit Reporting Act. Despite submitting disputes and documentation, Experian refuses to properly investigate and continues reporting harmful errors. This negligence is negatively affecting my access to credit, housing, employment, and peace of mind. I am requesting immediate intervention from the CFPB to conduct a full investigation and compel Experian to remove the inaccurate, outdated, and unverifiable items listed above. 
Requested Relief : Full deletion of all inaccurate accounts and public records listed above Confirmation of investigation outcome from Experian Correction of my credit report to reflect accurate and verified data Assurance of compliance with FCRA moving forward

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