Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against multiple furnishers and credit reporting agencies that continue to publish demonstrably inaccurate and legally questionable information on my credit reports, despite multiple disputes and documented evidence. 
The following accounts are at the center of this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$340.00} o Issue : Account inaccurately reflects a late payment that I have previously disputed and documented as false. Neither the furnisher nor the reporting bureau has resolved or verified the accuracy of this derogatory remark in compliance with FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$720.00} o Issue : A late payment has been reported in error. This is a credit-builder account where payments have been made as agreed. Reporting a missed payment in this context is both misleading and potentially deceptive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$26000.00} o Issue : This account lists a late payment that I dispute based on submitted evidence. I have received no adequate reinvestigation results nor validation from the furnisher or reporting bureau, contrary to the requirements outlined in 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX clearly a future date o High Balance : {$910.00} o Issue : The account is reported as a collection but contains a future-dated opening date, which undermines its credibility. Furthermore, I have not received a 1099-C form if this debt was charged off, raising questions about legal compliance under both IRS and FCRA standards XXXX 
Each of these entries has been previously disputed through the appropriate channels and within the timeframes permitted by law. However, I have received either no substantive response or templated replies that failed to address the core inaccuracies or verify the debts. The reporting of this information has resulted in credit denials, inflated interest rates, and undue emotional distress. 
I am requesting that the CFPB investigate these continued violations of my consumer rights and ensure that each account is properly verified, corrected, or deleted in accordance with federal law. I further request that any and all entities involved be held accountable for willful noncompliance under 15 U.S.C. 1681n and 1681o. 
Please confirm receipt of this complaint and inform me of the next steps.

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