Consumer complaint received 2025-06-22 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 writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : Disputed Accounts and Violations : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX High Balance : {$610.00} Open Date : XX/XX/XXXX Issue : Late Payment Reporting Violation : FCRA 1681s-2 ( a ) : Duty of furnishers to provide accurate information.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

This furnisher has reported late payments that I dispute as inaccurate. I demand this item be properly verified or removed. 
2. XXXX XXXX  Account Number : XXXX High Balance : {$650.00} Open Date : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681c ( a ) ( 4 ) : Negative information older than 7 years must not be reported.

FCRA 1681s-2 ( b ) : Failure to properly investigate and correct disputed information.

This account appears outdated or inaccurately charged off. Please investigate its reporting compliance under the FCRA. 
XXXX. XXXX XXXX  Account Number : XXXX High Balance : {$400.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information with knowledge of inaccuracy.

FCRA 1681e ( b ) : Lack of reasonable procedures to ensure accuracy.

Late payment reporting is inconsistent with my records. The creditor failed to provide proper validation. 
4. XXXX Account Number : XXXX High Balance : {$280.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA XXXX ( b ) : Failure to investigate disputed information. 
FCRA XXXX ( a ) : Duty to reinvestigate upon notice of dispute. 
This account is reporting erroneous late payments that remain unresolved despite dispute efforts. 
5. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 1681b ( f ) : Obtaining a credit report without permissible purpose.

I did not authorize this inquiry. No application or credit transaction occurred to justify this pull. 
XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 1681b ( c ) : Lack of a valid permissible purpose for credit inquiry.

This inquiry was unauthorized and should be removed immediately.

7XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Violation : FCRA 1681b ( f ) : No permissible purpose for access.

I did not initiate any action that would warrant this credit inquiry. This is a clear violation of my rights. 
XXXX. XXXX XXXX XXXX Account Number : XXXX High Balance : {$35000.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA 1681s-2 ( a ) : Inaccurate reporting of payment history.

FCRA 1681e ( b ) : Lack of reasonable procedures for ensuring accuracy.

These late payments were inaccurately reported and have caused damage to my credit. 
XXXX. XXXX XXXX XXXX Account Number : XXXX High Balance : {$36000.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA 1681s-2 ( b ) : Failure to conduct a proper reinvestigation.

FCRA 1681i : Duty of credit reporting agency to reinvestigate.

These late payments are in dispute and the furnisher has not validated the accuracy of these reports. 
XXXX. XXXX Account Number : XXXX High Balance : {$16000.00} Open Date : XX/XX/XXXX Issue : Charge Off Violation : FCRA 1681s-2 ( b ) : Failure to correct inaccurate information after dispute. 
FDCPA 807 ( 8 ) : Reporting debt known to be in dispute without noting it.

This charge-off is being reported inaccurately and was not properly investigated after dispute. 
11. DEPARTMENT OF EDUCATION / XXXX  Account Number : XXXX High Balance : {$7600.00} Open Date : XX/XX/XXXX Issue : Late Payment Violation : FCRA 1681c ( a ) : Reporting inaccurate information damaging creditworthiness.

FCRA 1681e ( b ) : Duty to assure accuracy in consumer reporting.

These late payments were improperly reported during forbearance or deferment and should be corrected.

Conclusion and Request for Action : These reporting errors and unauthorized inquiries are clear violations of the FCRA and related consumer protection statutes. I respectfully request that the CFPB : 1. Investigate each account and inquiry listed above.

2. Order the responsible furnishers to provide verification or remove the information immediately.

3. Take enforcement action if these institutions are found to be noncompliant with federal law. 
Thank you for your attention to this matter. I am prepared to provide any further documentation required during your investigation.

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