Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transunion, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION, I kindly urge the Consumer Financial Protection Bureau to investigate and facilitate the removal of these unauthorized inquiries, inaccurate personal information, late payments, and bankruptcy from my credit report. This action is crucial to restore the accuracy of my credit information and safeguard my financial standing. Equifax, Transunion, Experiab date breach settlement pending.

This is a formal written dispute of late payment notations you have reported and/or assessed on my account. I am asserting a billing error under 12 C.F.R. 1026.13 ( Regulation Z Billing Error Resolution ) and a furnisher reporting dispute under the Fair Credit Reporting Act ( FCRA ), including 12 C.F.R. 1022.43 ( Direct Disputes ) and 15 U.S.C. 1681s2 ( b ), 1681i. If you are a debt collector as defined by 15 U.S.C. 1692a ( 6 ), this also serves as a dispute and validation request under the FDCPA, 15 U.S.C. 1692g ( b ). 
XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is still reporting to my experian against fcra laws while the other bureaus removed it due to inaccurately reporting false information, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX remove inaccurate reporting late payment the inaccuracies are hurting my financial future tremendously.

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