Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB guidelines. The following accounts and inquiries are being reported inaccurately : XXXX XXXX XXXX Balance {$20000.00} Date opened XX/XX/XXXX Issue : This account is being reported with late payments that I do not agree with and that have not been properly validated. Because of these late payments, I was recently denied when I applied for a personal loan to cover urgent medical expenses. My family and I had to struggle and borrow from friends, which was humiliating and stressful. The stress of being denied for something that I never truly defaulted on has created ongoing emotional harm. FCRA 607 ( B ) requires maximum accuracy, and without proper records these lates can not remain. 
XXXX XXXX XXXX XXXX Balance {$6200.00} Date opened XX/XX/XXXX Issue : This account is reporting as charged off. That is extremely damaging and it is completely unverifiable. I have never received validation or documentation to support this negative status. Because of this false charge-off, I was denied approval for a credit card which I needed to consolidate other bills. This forced me to rely on high-interest payday loans to cover basic needs, which made my financial hardship even worse. Under FCRA 609 ( a ) ( 1 ) and FDCPA 807 ( 8 ), reporting a charge-off without validation is unlawful and must be deleted. 
XXXX XXXX {$2300.00} Date opened XX/XX/XXXX Issue : This account is also reported as charged off. Again, no signed agreements or full account history have been provided to me despite my rights to request validation. Because of this charge-off reporting, my auto insurance premium increased drastically since insurers rely on credit information to calculate risk. This unfairly punished me further, costing me hundreds of dollars in extra premiums that I should not have been forced to pay. FCRA 602 ( A ) and FDCPA 809 ( b ) prohibit such unfair reporting. 
XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} Date opened XX/XX/XXXX Issue : This account is duplicating the same late payment reporting as another account, which is misleading. Duplicate derogatories exaggerate my risk and lower my score even more than a single account would. This is unfair and misleading, and it violates FCRA 607 ( B ). Because of this duplication, my rental application was rejected when I tried to move into a new home for my family. We suffered embarrassment and instability because of this false reporting.

I am requesting the CFPB to take immediate action and require the furnishers and credit reporting agencies to : 1. Conduct a full and proper investigation of each account and inquiry.

2. Provide me with validation and documentation as required under FCRA 609.

3. Delete or correct all unverifiable, inaccurate, and misleading information from my credit report.

4. Ensure compliance with FCRA, FDCPA, and CFPB guidelines to prevent further harm.

Failure to resolve these violations fairly and promptly will leave me no choice but to escalate through legal channels under FCRA 616 and 617 for damages caused by willful non-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