Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I am filing this complaint due to the continued reporting of multiple inaccurate and harmful accounts on my credit report, despite my repeated disputes and attempts to resolve the matter directly with the credit reporting agency. These items are either outdated, unverifiable, or inaccurately reported, and are causing serious damage to my creditworthiness. 

The following accounts are being disputed : XXXX. XXXX XXXX XXXX  High Balance : {$290000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment This account is reporting late payments despite the fact that payments were submitted under a hardship plan. The creditor failed to notify me properly or validate the reporting. No supporting documentation has been provided, in violation of FCRA 1681i ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balances : {$2000.00} and {$1300.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off Both of these accounts are over XXXX XXXX XXXX and are still being reported on my credit file, which is a clear violation of FCRA 1681c ( a ) ( 4 ). The legal reporting limit for most negative accounts is 7 years. These items must be removed immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX XXXX : {$30000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment This account reflects inaccurate delinquencies. Payments were made on time, and I have documentation showing bank confirmations. The reporting is not only misleading but legally questionable under FCRA 1681e ( b ), which mandates maximum possible accuracy. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$19000.00} | Date Opened : XXXX ( Year appears truncated ) Issue : Charge-Off The accounts date appears incorrect or incomplete. Moreover, the reporting exceeds the statute of limitations for derogatory data. No validation was provided after my previous dispute. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXX ( future date ) Issue : Collection This collection entry lists a future open date, which is clearly a reporting error. This inaccuracy violates FCRA 1681e ( b ) and creates a false timeline on my credit profile. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This charge-off was never verified. I never received notices of delinquency, and my dispute was ignored by the credit reporting agency. Under FCRA 1681i, they are required to conduct a reasonable reinvestigation, which did not happen. 

What would you like the company to do to resolve your issue? 

Immediately remove all outdated, unverifiable, inaccurate, and illegally reported items listed above Provide written confirmation that these entries have been deleted from my credit file Ensure that all future reporting complies strictly with federal laws under the FCRA Have you already tried to fix the problem with the company? 
Yes. I previously submitted written disputes, but no valid verification or correction has been provided. Some items continue to appear inaccurately, while others remain despite being well beyond the XXXX legal reporting period.

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