Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
This letter is a formal complaint filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I am disputing multiple inaccurate, unverifiable, and misleading items on my credit report. I request a full and complete investigation into the following items and their deletion or correction as the findings warrant. Please find enclosed a copy of my driver 's license and a utility bill for proof of identity and address, as well as a copy of my credit report with the disputed items circled. The following accounts and/or items are disputed in their entirety. I have no knowledge of these accounts as reported, and the reported details are inaccurate and do not belong to me. Under the FCRA, you are required to investigate these claims and correct or delete any information that can not be verified. I. Dispute of Specific Negative Accounts A. Open Accounts with Derogatory Payment History XXXX XXXX XXXX XXXXXXXX ( Acct # XXXX ) : The payment history shows multiple 30-day and 60-day late payments from XXXX. This is incorrect. I have never been late on this account. I demand verification of these alleged late payments, including the specific payment dates and amounts that were reported as late. XXXX XXXX XXXX ( Acct # XXXX ) : The payment history shows two 30-day late payments in XXXX. This is inaccurate. All payments have been made on time. I demand verification of these disputed late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history shows a pattern of severe delinquency, including 30, 60, 90, 120, and 150-day late payments. This account information is erroneous. I have never defaulted on this account as described. I demand validation of this entire payment history. XXXX XXXX ( Acct # XXXX ) : This account is reported with 15 late payments and is currently showing a past due amount of {$1300.00}. This is grossly inaccurate. I demand immediate verification of the account status, payment history, and the alleged past-due balance. B. Closed Accounts with Charged-Off/Default Status XXXX  XXXX ( Acct # XXXX ) : Reported as charged off. This is incorrect. I demand verification of the original debt and the legal authority to report this as a charge-off. XXXX XXXXXXXX ( Acct # XXXX ) : Reported as charged off. This is incorrect. I demand verification of the original debt and the legal authority to report this as a charge-off. XXXX XXXX ( Acct # XXXX ) : Reported as paid with a {$19.00} write-off. This is inaccurate. I demand verification of this account and the claimed write-off. XXXX  XXXX XXXX ( Acct # XXXX  ) : Reported as charged off with a balance of {$940.00}. This account information is not accurate. I demand validation of the debt and the charge-off. XXXX XXXX XXXX ( Acct # XXXX ) : Reported as charged off with a past due amount. This is incorrect. I demand verification of this account and its current status. XXXX ( Acct # XXXX ) : Reported as charged off with a balance of {$8600.00}. This is a serious inaccuracy. I demand full validation of this debt and the legal basis for the charge-off. XXXX XXXX ( Acct # XXXX ) : Reported as closed with a {$4500.00} write-off. This information is erroneous. I demand verification of this account and the claimed write-off. XXXX XXXX Account XXXX XXXX XXXX ( Acct # XXXX ) : This collection account for XXXX  XXXX is invalid. I have no outstanding balance with XXXX XXXXXXXX, and this collection is not mine. I demand strict validation of this debt as required by the FDCPA and FCRA, including proof of my liability and the original creditor 's right to collect. II. Dispute of Inquiries I did not authorize the following hard inquiries, and they are negatively impacting my score. I demand they be removed immediately : XXXXXXXX XXXX XXXX ( Inquired on XXXX XXXX XXXX  ) XXXX  XXXX XXXX ( Inquired on XXXX XXXX XXXXXX/XX/XXXX ) III. Request for Action and Documentation As per my rights under the FCRA, you have 30 days to conduct a free, reasonable reinvestigation of these disputed items. If you can not verify them, you must promptly delete them from my file. Upon completion of your investigation, please provide me with a free, updated copy of my credit report showing the corrections. Furthermore, pursuant to FCRA 611 ( e ), I request that you provide me with the method of verification ( MOV ), including the name, address, and telephone number of every source you contacted during your investigation. The inaccurate reporting of these items has caused me significant harm, resulting in the denial of credit and causing emotional distress. I expect a prompt resolution to this matter.

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