Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this complaint because multiple credit reporting inaccuracies have been severely damaging my credit profile and financial standing. Despite my consistent efforts to correct these issues with the credit reporting agencies and the furnishers, these errors persist in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

Below is a detailed list of accounts currently being reported inaccurately : 1. Inaccurate Late Payment Reporting ( Never Late ) The following creditors are falsely reporting late payments. I have never made a late payment on any of these accounts. These errors are misleading, defamatory, and do not accurately reflect my true payment history. 
I request that these inaccurate late payment notations be immediately corrected and updated to reflect Paid as Agreed / Never Late. 

XXXX XXXX  ( Acct : XXXX ) High Balance : {$140000.00} Opened : XX/XX/XXXX XXXX XXXX  ( Acct : XXXX ) High Balance : {$140000.00} Opened : XX/XX/XXXX XXXX  XXXX ( Acct : XXXX ) High Balance : {$660.00} Opened : XX/XX/XXXX XXXX ( Acct : XXXX ) High Balance : {$1200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) High Balance : {$740.00} Opened : XX/XX/XXXX XXXX ( Acct : XXXX ) High Balance : {$410.00} Opened : XX/XX/XXXX XXXX ( Acct : XXXX ) High Balance : {$470.00} Opened : XX/XX/XXXX XXXX XXXX  ( Acct : XXXX ) High Balance : {$3500.00} Opened : XX/XX/XXXX XXXX  XXXX ( Acct : XXXX ) High Balance : {$53000.00} Opened : XX/XX/XXXX These entries are false and must be corrected to reflect accurate payment history as per FCRA 607 ( b ) which mandates maximum possible accuracy in reporting consumer information. 

2. Unknown Charge-Off and Collection Accounts The following accounts are being reported as Charge-Offs or Collections. I have no knowledge, authorization, or relationship with these accounts. 
These are unauthorized and fraudulent entries that must be immediately deleted from my credit reports as required by FCRA 605 and 611. 

XXXX XXXX ( Acct : XXXX ) Charge Off Opened : XX/XX/XXXX High Balance : {$5200.00} XXXX XXXX  ( Acct : XXXX ) Charge Off Opened : XX/XX/XXXX High Balance : {$1000.00} XXXX  ( Acct : XXXX ) Charge Off Opened : XX/XX/XXXX High Balance : {$2000.00} XXXX  ( Acct : XXXX ) Charge Off Opened : XX/XX/XXXX High Balance : {$450.00} XXXX  ( Acct : XXXX ) Charge Off Opened : XX/XX/XXXX High Balance : {$3100.00} XXXX XXXX XXXX ( Acct : XXXX ) Collection Opened : XX/XX/XXXX High Balance : {$1000.00} XXXX  XXXX XXXX ( Acct : XXXX ) Collection Opened : XX/XX/XXXX High Balance : {$650.00} I have never received validation notices, contracts, billing statements, or any correspondence verifying these debts. Reporting these accounts without proper verification is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or unverified information. 

3. Unfamiliar Inquiries The following recent inquiries were made without my authorization. These hard pulls were not initiated by me and constitute potential identity misuse : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I request that these unauthorized inquiries be investigated and permanently removed. 

Requested Action I respectfully request that the CFPB investigate each of these matters to ensure : All unverifiable, inaccurate, or unauthorized accounts are permanently deleted from my credit report. 

All accounts inaccurately reported as late payments are corrected to show an on-time history. 

All unauthorized hard inquiries are removed immediately. 

These reporting errors have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. I am exercising my rights under the FCRA and requesting the CFPB to compel the data furnishers and credit reporting agencies to comply with federal law. 

I am attaching a copy of my identification and proof of address to support this complaint.

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