Consumer complaint received 2025-07-07 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It May Concern, This is a formal complaint regarding Experian for willfully and negligently reporting inaccurate and outdated information on my consumer credit file in violation of multiple federal laws including the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, and Fair Debt Collection Practices Act ( FDCPA ). Despite repeated attempts to address these discrepancies, Experian continues to allow erroneous and damaging information to appear on my report, causing me severe emotional, financial, and personal hardship. The items below are the subject of this dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$520.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is inaccurately reporting a late payment, which is unjustified and not supported by valid verification. I was not late as per the original agreement terms, and I have not received any notice of delinquency. Reporting this alleged delinquency without full validation violates 15 U.S. Code 1681i ( a ) which mandates reinvestigation procedures when a consumer disputes the accuracy of information. Additionally, 15 U.S. Code 1681s-2 restricts furnishers from reporting inaccurate or unverifiable data to a credit reporting agency. The continued reporting of this late payment after notice and dispute constitutes negligent and willful non-compliance with FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is also falsely reporting a late payment that I did not incur. This is a grave error. I never received any statement or notice regarding this alleged delinquency, nor was I ever given an opportunity to cure such a supposed default. Experians failure to conduct a proper reinvestigation in light of my previous disputes is a violation of FCRA 1681i ( a ) ( 1 ) ( A ). Additionally, the continued appearance of this item, despite my lawful demand for verification and correction, demonstrates a failure to maintain reasonable procedures under FCRA 1681e ( b ). This error has negatively impacted my credit score and limited my access to fair credit opportunities. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Late Payment This entry reports a late payment on an account with a {$0.00} balance, which is logically inconsistent and entirely inaccurate. A {$0.00} balance can not have a delinquency. This account either should not appear at all or should reflect paid/closed with no derogatory history. The reporting of a late payment in this context is misleading and deceptive and represents a failure of Experian to ensure maximum possible accuracy under FCRA 1681e ( b ). Furthermore, Experians lack of response to my prior disputes breaches its reinvestigation obligations under FCRA 1681i. This grossly negligent misreporting has caused damage to my reputation and denied me financial opportunities.

SUMMARY OF VIOLATIONS : FCRA 1681i Failure to reinvestigate disputed information properly and timely. 
FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate information knowingly or without reasonable investigation.

FCRA 1681c ( a ) ( 5 ) Reporting obsolete information.

FDCPA 807 ( 8 ) Communicating credit information known to be false.

Experians handling of my credit data has been reckless, damaging, and in blatant disregard of federal consumer protection laws. The inaccurate accounts mentioned above have caused me denials in housing, job opportunities, loan approvals, and mental distress. I request a full investigation and immediate correction of these inaccuracies and that appropriate regulatory actions be taken against Experian for their willful non-compliance with the law.

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