Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and damaging information being reported on my credit reports by multiple furnishers. These accounts are being reported incorrectly and are causing harm to my credit profile and reputation. 

Below are the specific items in question : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$880.00} Status : Late Payment This reporting is false. I have never made any late payments on this account. I request that the CFPB instruct XXXX XXXX to provide documented proof of any alleged late payments. If none can be verified, this account must be corrected to reflect a perfect payment history immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$410000.00} Status : Late Payment This reporting is inaccurate. I have no record or knowledge of ever having any account or obligation with this entity. I am requesting a full investigation and immediate deletion of this account from all credit reports if validation can not be provided. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00} Status : Late Payment This account is incorrectly reported as having a late payment despite a zero balance. I have never made any late payments on this account. I request verification from the furnisher and correction of this entry to reflect accurate, on-time payment history. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7100.00} Status : Late Payment This account is being misreported with a late payment that never occurred. I have maintained my account responsibly. Please compel the furnisher to provide proper documentation or update the report to reflect accurate, current status. 

XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$400.00} Status : Collection I have no knowledge of this account or any collection activity with XXXX. This is an erroneous collection entry that must be removed immediately unless the furnisher can provide verifiable proof of ownership and liability. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$250.00} Status : Collection I have no record or knowledge of any account or debt associated with this collection agency. I am requesting immediate investigation and deletion of this account if the furnisher can not produce proper validation. 

Additionally, I am also requesting that all credit bureaus update my current address to reflect : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and remove any previously reported or outdated addresses. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are legally required to report accurate information and to correct or delete any data that can not be verified. These errors are directly affecting my ability to obtain credit and must be corrected immediately. 

I request the CFPBs assistance in ensuring that : Each furnisher provides verified documentation supporting the accuracy of their reporting ; Any unverifiable, false, or unsubstantiated information is deleted immediately ; My consumer report reflects only accurate and verifiable information. 

Thank you for your attention and assistance. I look forward to your prompt response and confirmation that these matters are under 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