Consumer complaint received 2025-09-05 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 because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal protections have been repeatedly violated by the inaccurate, incomplete, and misleading reporting of the following accounts and public records. These inaccurate entries are causing me severe harm in the form of credit denials, higher interest rates, financial stress, and reputational damage. I am requesting immediate investigation, correction, and removal of the following items. 
XXXX XXXX XXXX  XXXX * * Date XXXX Balance : {$1400.00} Late Payment * * ISSUE : This account is inaccurately reporting late payments. The FCRA requires maximum possible accuracy under 15 U.S.C. 1681e ( b ). I have maintained consistent payments, and any claimed late entry is either an error, misapplied payment, or system glitch. Reporting false late payments severely damages my creditworthiness and gives a misleading representation of my payment history.STORY : At the time these alleged lates were reported, I had already communicated with the creditor regarding payment arrangements due to temporary hardship. Instead of honoring this arrangement, they proceeded to report lates. This not only violates my rights under FCRA but also conflicts with the duty of furnishers under 15 U.S.C. 1681s-2 ( a ) to report accurate and fair information. The mental and financial stress caused by this misreporting has affected my ability to secure loans and opportunities. 
XXXX XXXXXXXX XXXX * * Date XXXX Balance : {$100.00} Charge Off * * ISSUE : This charge-off is inaccurate and unverifiable. Under 15 U.S.C. 1681i, the credit bureau must delete accounts that can not be verified. The reporting creditor has failed to validate the alleged debt with complete records. A {$100.00} balance being charged off is unreasonable and inconsistent with industry practice, suggesting reporting abuse or data entry error.STORY : I contacted XXXX multiple times to resolve the matter and was never provided proof of default or original documentation. Instead, the account was reported as a charge-off which continues to unfairly harm me. This inaccurate entry makes it look as though I abandoned debt responsibility, when in fact, the creditor failed to provide validation. This creates a misleading narrative in my credit file, causing undue hardship. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * Date XXXX Balance : {$480.00} Collection * * ISSUE : This account is reported as a collection but is inaccurate and duplicative. XXXX XXXX is known for attempting to collect on unverifiable debts. Under 15 U.S.C. 1692g ( FDCPA ) and FCRA 1681i, they must provide complete validation of debt, which they have failed to do. Additionally, the balance reported is not consistent with the alleged original account.STORY : I have disputed this account several times, yet no proper validation or chain of assignment has been shown to prove that XXXX XXXX legally owns or has the right to collect this debt. Instead, the account remains reported, misleading creditors into thinking I owe when in fact, the debt can not be verified. The psychological and financial impact of this false reporting is significant, as it prevents me from rebuilding my financial stability. 
Chapter XXXX Bankruptcy XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy ISSUE : These bankruptcy entries are duplicative and misleading. Only one accurate record should appear, not multiple conflicting versions. Reporting multiple entries for the same bankruptcy violates FCRA 1681c ( a ), which prohibits obsolete or duplicate negative information.STORY : I filed only one bankruptcy case, yet the bureaus are reporting it multiple times under different variations of court names and references. This inflates the negative effect on my credit and misrepresents the true record. This has unfairly caused lenders to view me as a repeat bankruptcy filer, which is false. The repeated and inconsistent entries have created severe reputational and financial harm. 
In summary, the accounts and public records listed above are being reported inaccurately, incompletely, or in duplicate, violating my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting that the CFPB take immediate action to enforce compliance, require proper verification of each account, and remove any account or public record that can not be fully validated as accurate, complete, and legally reportable. The continued inaccurate reporting of these items is causing ongoing financial harm, credit denials, higher costs of borrowing, and severe emotional distress.

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