Consumer complaint received 2025-08-29 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:
I am submitting this complaint regarding multiple inaccurate and damaging entries on my credit report. These items have caused significant financial, emotional, and professional harm, and violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. I request an immediate investigation and correction of the following accounts : XXXX  XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Chargeoff This account has been inaccurately reported as a charge-off. I have maintained proper records and payment history, and there is no valid reason for this reporting. The false charge-off has caused me to be denied credit opportunities, including personal loans and credit cards, and has created severe stress and anxiety, affecting my work performance and day-to-day life. Under FCRA XXXX, credit reporting agencies must ensure accurate reporting. I request immediate deletion of this false charge-off. The emotional toll of being misrepresented in my credit history is immense, as it falsely portrays financial irresponsibility that I do not deserve. 
XXXX  XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Late Payment This account is showing a late payment that is completely inaccurate. I have documentation proving that all payments were made on time, yet this false reporting has lowered my XXXX XXXX, delayed mortgage approval, and affected my ability to secure fair interest rates. The reporting violates FCRA XXXX ( a ) which mandates accurate and truthful reporting by furnishers. The stress of knowing that an error outside my control is damaging my financial reputation is overwhelming. I request correction or deletion of this inaccurate late payment immediately. 
XXXX XXXX XXXX XXXX : {$7500.00} Date Opened : XX/XX/XXXX XXXX This charge-off is entirely incorrect. I have proof that my account was current and properly managed. This false reporting has caused me financial hardship, including loan denials and increased interest rates on other obligations. According to FCRA XXXX, if a disputed account can not be verified, it must be removed. This erroneous charge-off also impacts my ability to secure housing, as landlords view my credit report and assume financial irresponsibility that is not true. I demand removal of this inaccurate charge-off. 
XXXX  XXXX XXXX High Balance : {$890.00} Date Opened : XX/XX/XXXX Late Payment This account shows a late payment that I unequivocally dispute. All payments were made on time, yet this false reporting has created unnecessary stress, affecting my mental health and daily financial planning. Under FCRA XXXX, furnishers must report accurately. The late payment notation has led to higher insurance premiums and denial of credit offers, demonstrating tangible harm caused by this inaccuracy. XXXX investigation and removal are required. 
XXXX XXXX XXXX XXXX : {$410.00} Date Opened : XX/XX/XXXX XXXX This account has been inaccurately listed as a charge-off. The reporting is false and has created significant inconvenience, including denial of utility services and loan applications. According to FCRA XXXX, accurate reporting is legally required. The false charge-off misrepresents my financial responsibility and has caused emotional distress, as I constantly worry about its long-term impact on my creditworthiness. XXXX correction or deletion is demanded. 
XXXX Bankruptcy XXXX XXXX Bankruptcy The reporting of this bankruptcy contains inaccuracies in dates and details, causing me continuous financial harm. Misreported bankruptcy information has prevented me from securing credit, renting housing, and even affected employment opportunities where credit checks are required. Under FCRA 1681i, all disputed items must be fully investigated and corrected. The misrepresentation has created ongoing emotional distress and financial instability. Immediate verification and correction are required.

These inaccurate entries are not minor errorsthey have materially impacted my life, causing financial loss, emotional stress, and lost opportunities. I demand that CFPB investigate and ensure all disputed accounts are corrected or removed immediately. Continued reporting of false information XXXX result in legal action, including claims for damages, attorney fees, and statutory penalties under federal law.

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