Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because multiple accounts from XXXX XXXX XXXX XXXX XXXX XXXX falsely reported on my credit report with charge-off and late payment statuses. These reports are completely inaccurate and have severely harmed my creditworthiness. I never received any charge-off notices, delinquency warnings, or proof of missed payments from these creditors. The information being furnished is misleading, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request the CFPBs assistance in having these accounts reinvestigated, validated, and corrected or deleted immediately. 
XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX XXXX This account is being falsely reported as having late payments. I have never made any late payments on this account. I maintained regular and timely payments according to the terms of the agreement. The creditors reporting is incorrect, misleading, and in violation of FCRA XXXX ( A ) and XXXX ( B ), which require accurate and verifiable data. I demand that the inaccurate late payment history be corrected and updated to reflect accurate payment records. I also request that the furnisher provide proof of each alleged late payment with proper documentation, as required under FCRA 623 ( A ) ( 1 ) ( D ). 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment I never had any missed or late payments with Affirm. The reporting of this account as delinquent is completely inaccurate. Since the balance is {$0.00}, there was no payment obligation remaining that could have resulted in a late status. This is an evident reporting error, and I am requesting immediate correction. Under FCRA 611 and 623 ( B ), the furnisher must conduct a proper reinvestigation and remove all false negative data. 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment This account is also falsely marked late even though no payment was missed. I never received any billing statements or delinquency notices from XXXX. Therefore, the reporting of lateness is false, and it creates an inaccurate impression of my creditworthiness. This violates FCRA XXXX ( B ) and the CFPBs guidance on accurate furnishing of credit data. I request that XXXX immediately update this record to reflect an on-time payment history. 
XXXX  XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment The reporting of this account as late is entirely untrue. I have never defaulted on any XXXX account, and they have not provided me with any documentation or communication proving otherwise. I believe this XXXX be the result of automated or duplicate reporting errors. This situation violates FCRA XXXX and XXXX, as I have a right to verified, accurate, and complete information. I demand that this be reinvestigated and corrected immediately. 
XXXX  XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX This account is being reported as charged off, which is false and damaging. I was never notified of any default or charge-off status by XXXX. I do not acknowledge this account as charged off, and I have not received any lawful validation notice in accordance with 15 U.S.C. 1692g ( a ). The reporting of this as a charge-off without verification is deceptive and in violation of FCRA 623 ( A ) ( 3 ). I am demanding that this charge-off status be deleted or updated to show accurate information reflecting good standing. 
XXXX  XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Charge-Off This is a newly reported account that I have no knowledge of being charged off. I have never been informed of any delinquency, default, or closure of this account. Reporting this as a charge-off is inaccurate and potentially fraudulent. I request validation of this debt under the FDCPA XXXX ( b ), and if none can be provided, this item must be deleted from my credit file immediately. The inaccurate charge-off is a direct violation of my rights under FCRA XXXX ( B ). 
XXXX  XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment This account also shows an incorrect late payment remark despite being fully paid and closed with a XXXX balance. It is impossible for a late payment to exist on an account that has been settled. This inaccurate reporting damages my credit history and violates my rights under FCRA 623 ( A ) ( 1 ) ( B ). I demand immediate reinvestigation and correction to ensure this account reflects on-time payments. 
BXXXX XXXX * * * * Date Opened : XXXX : $ XXXX : XXXX This account is showing as charged off, which is completely inaccurate. I was never notified of any delinquency or charge-off by XXXX. I have no recollection of ever being informed that this account was written off as bad debt. This is a serious reporting error and violates my right to fair and accurate credit information under FCRA XXXX ( B ). I demand that this charge-off status be investigated and either verified with complete documentation or deleted from my credit report if proof can not be provided. 
AFFIRM XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Charge-Off This account is being falsely reported as charged off despite my timely payments and communication with Affirm. I never received any charge-off notice or default warning. This is an error in reporting that negatively affects my XXXX XXXX. Under FCRA 623 ( A ) ( 1 ) ( B ), data furnishers must report only accurate information. I am requesting verification of this alleged charge-off or immediate correction to reflect accurate status. 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment This account reports late payments even though the balance is XXXX. A XXXX balance means no payment obligation exists, making it impossible for a late payment to occur. This false reporting violates FCRA XXXX ( A ) and XXXX. I request that this account be updated to show all on-time payments or be removed if proof of delinquency can not be provided. 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Charge-Off The reporting of this account as charged off is false. I was never informed by XXXX that this small balance was written off or considered delinquent. This is clearly a reporting mistake, and under FCRA 607 ( B ) and 623 ( A ) ( 3 ), the furnisher is required to ensure maximum possible accuracy. I request validation under FDCPA 809 ( b ), and if the debt can not be validated, the charge-off must be deleted immediately. 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment The report indicates a late payment even though the balance is {$0.00}. This is factually impossible and represents negligent reporting. I have never been late or missed payments on this account. Under FCRA XXXX, I am demanding an immediate reinvestigation and correction to remove any negative remark associated with this account. 
XXXX  XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment This account is marked as late even though no payment was missed and the balance is XXXX. There was no financial activity that could have resulted in a late payment status. This error violates FCRA XXXX ( B ) and XXXX ( B ). I demand the late payment remark be removed immediately and replaced with accurate on-time payment history. 
XXXX XXXX XXXX Date Opened : XXXX : $ XXXX : Charge-Off I have no knowledge of this account being charged off, and I was never notified by Affirm of any delinquency. Reporting this as a charge-off without proof violates FCRA 623 ( A ) ( 1 ) ( B ) and 611. I request that this account be fully validated and corrected. If no verification can be provided, it must be deleted from my credit report immediately. 
XXXX XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment This account has been falsely reported with a late payment history despite being fully paid and closed with a XXXX balance. There were no missed payments, and no delinquency occurred. This incorrect reporting is damaging and violates my right to fair and accurate credit information under FCRA XXXX ( A ). I request immediate correction. 
XXXX  XXXX XXXX * * * * Date Opened : XXXX : $ XXXX : Late Payment The reporting of this account as late is completely inaccurate. I never made any late payments, and XXXX has not provided any evidence supporting this claim. This false information violates FCRA XXXX ( B ) and the CFPBs standards for responsible furnishing. I demand this information be corrected or deleted immediately. 
Conclusion : All these accounts contain serious inaccuracies that violate my right to accurate reporting under the Fair Credit Reporting Act. These false charge-offs and late payment remarks have negatively affected my credit standing, caused emotional distress, and resulted in financial harm. I request that the CFPB intervene immediately and require these furnishers to : 1. Conduct a full and lawful reinvestigation.

2. Provide documentation proving the accuracy of their claims.

3. Correct or delete all inaccurate data from my credit report.

If the furnishers fail to validate these accounts with proper evidence, I request full deletion of these entries from my report.

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