Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
To Whom It May Concern, this complaint is being filed against the data furnisher Department of Education/XXXX for reporting inaccurate and misleading information on my consumer credit report. The accounts listed below are reporting false late payments and inaccurate balance information, which have caused substantial harm to my creditworthiness, financial opportunities, and personal reputation. Despite my efforts to have this corrected through proper dispute procedures, the furnisher and credit bureaus have failed to properly investigate, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate investigation, correction, and removal of these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00} Late Payment * * Late payments are unverified and unsupported by any billing statement or signed record. Reporting unverifiable data violates FCRA 607 ( B ) and 611 ( A ). This account must be deleted immediately. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Late Payment * * This account shows false payment data with no verification from the Department of Education XXXX Reporting without proof violates FCRA 607 ( B ) and 623 ( B ). Delete if accuracy can not be proven. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Late Payment * * No validation or supporting record has been provided for this account. Continued reporting without evidence violates FCRA 611 and 602 ( A ). This item must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Late Payment * * This account is inaccurate and unverified. Reporting unverifiable data violates FCRA 607 ( B ) and 623 ( A ). Remove this item unless valid proof is produced. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Collection * * No contract or validation notice has been received. Reporting unverified collection data violates FCRA 607 ( B ) and FDCPA 809 ( A ). Delete this account immediately. 

These repeated violations show a clear pattern of negligence and disregard for federal compliance obligations. The continued reporting of inaccurate information after disputes have been submitted constitutes willful violation under FCRA 616 and negligent violation under FCRA 617, both of which are actionable offenses. I am requesting that the CFPB take immediate action to compel the Department of Education/XXXX  and all associated credit reporting agencies to conduct a lawful reinvestigation, delete or correct the inaccurate accounts, and provide me with full documentation verifying compliance.

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