Consumer complaint received 2025-10-10 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: MD

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint to the CFPB regarding multiple inaccurate and unauthorized items being reported on my credit file. These issues have caused severe damage to my creditworthiness, emotional distress, and financial hardship. I have made previous attempts to resolve these matters directly with the furnishers and credit bureaus, but they have failed to verify or correct the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Therefore, I am seeking the CFPBs intervention to ensure a full and fair investigation and to compel immediate correction or deletion of these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$2300.00} Late Payment This account continues to report late payment data that can not be properly verified with any original signed agreement or payment history documentation. Under FCRA 609 ( a ) ( 1 ) ( A ), I am entitled to receive the method of verification used to confirm this accounts accuracy, yet no such documentation was ever provided. Reporting late payments without proof violates 607 ( b ), which requires all information to be accurate and up-to-date. The absence of clear verification indicates this account is being reported without legitimate substantiation. The credit bureau is required under 611 ( a ) ( 1 ) ( A ) to reinvestigate disputed items thoroughly, yet prior disputes show no evidence of compliance. This ongoing inaccuracy damages my ability to obtain fair credit opportunities and causes unjust harm to my financial reputation. Each reporting of a late payment creates misleading information, as I have not been shown any direct evidence or original contract proving this delinquency. FCRA 611 ( a ) ( 5 ) ( A ) clearly states that any item not verified must be deleted, not left to continue harming the consumer. The continued appearance of this account suggests negligence in your reinvestigation process. Additionally, under 623 ( a ) ( 3 ), data furnishers are prohibited from providing false or unverifiable data to credit reporting agencies. I am requesting a full method of verification disclosure under 611 ( a ) ( 6 ) ( B ) ( iii ) showing how this item was confirmed. I never received any original creditor documentation, billing statement, or signed application supporting the reported information. It is your duty under federal law to remove unverifiable items and ensure maximum possible accuracy. My prior letters have not been addressed with the level of compliance required under federal consumer protection laws. Therefore, this account must be permanently deleted to prevent further violation of my rights under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations, hold the furnishers accountable, and ensure that all inaccurate and unauthorized items are deleted from my credit report immediately. These actions have caused me measurable harm and demonstrate willful noncompliance with federal law. I am providing this complaint in good faith and expect a complete and documented resolution through CFPBs oversight.

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