Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint because multiple creditors are reporting inaccurate, unverifiable, and misleading information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These false reports have destroyed my creditworthiness, denied me access to housing, employment, and financial stability, and caused ongoing emotional distress. Below are the accounts and their unlawful issues : XXXX XXXX XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Charge-off This charge-off is falsely reported. Despite my repeated attempts to resolve payment issues with the creditor, the account was reported as charged-off without accurate consideration of my documented communication and partial payments. This false reporting has caused my credit score to drop drastically, blocked loan applications, and created severe financial and emotional hardship. It violates FCRA 623 ( a ) ( 1 ) requiring accuracy, and FDCPA 807 prohibiting misleading representation. Immediate correction or removal is demanded. 
XXXX XXXX| High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Charge-off This account is inaccurately reported as charge-off. I have proof of payment efforts and written correspondence with the creditor disputing the balance. The continued reporting of this false charge-off is misleading and materially harms my creditworthiness, causing denial of essential financial services. Reporting this violates FCRA 609 ( a ) ( 1 ) and FDCPA 808. I demand immediate correction or deletion. 
XXXX XXXX| High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Charge-off The account has been incorrectly reported as a charge-off. I maintained records of timely payments and disputes that were ignored. Such reporting is materially false and violates FCRA 623 and FDCPA 807. The false reporting has directly impacted my ability to secure credit and caused undue financial stress. Immediate investigation and correction are required. 
DEPTEDXXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is reported in error. My statements show compliance and timely payments. Repeatedly reporting late payments inaccurately is misleading, violates FCRA 611 ( a ), and FDCPA 807, and has caused undue financial hardship and emotional stress. Immediate correction or deletion is demanded. 
DEPTED/XXXX  XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Late Payment The reported late payment is false. Evidence proves timely payments and proper account management. Continuous misreporting violates FCRA 623 and FDCPA 807, harming my credit score and blocking financial opportunities. Immediate correction or removal is required. 
DEPTED/XXXX XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Late Payment This account falsely reports late payment despite timely payments documented in my records. The repeated misreporting creates severe credit and emotional harm. Violates FCRA 609 and FDCPA 808. Immediate correction is required. 
DEPTEDXXXX XXXXXXXX | High Balance : {$2700.00} | Date Opened : XX/XX/XXXX | Late Payment Late payment reporting is inaccurate and misleading. I have documentation showing timely payment and communication with the creditor. Repeated misreporting is a willful violation of FCRA 611 and FDCPA 807, causing severe financial and emotional damage. Immediate removal is demanded. 
DEPTED/NELNET XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Late Payment False late payment reporting materially harms my credit and financial reputation. My records prove timely payments. Reporting this violates FCRA XXXX ( a ) and FDCPA XXXX. XXXX correction or deletion is required. 
DEPTED/XXXX XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is inaccurately reported despite documented timely payment. Repeated misreporting violates FCRA 611 and FDCPA 807, causing loss of financial opportunities and emotional stress. Immediate correction or removal is demanded. 
DEPTED/XXXX XXXXXXXX | High Balance : {$4000.00} | Date Opened : XX/XX/XXXX | Late Payment Reported late payment is false and damaging. I have evidence of compliance and proper account management. Misreporting violates FCRA 623 ( a ) ( 1 ) and FDCPA 807. The false report has caused severe credit damage and stress. Immediate correction or removal is required. 
DEPTED/XXXX XXXXXXXX | High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Late Payment This reported late payment is false. My payment records show timely submission and compliance. Repeated misreporting has caused undue financial stress and negatively impacted my creditworthiness. Reporting violates FCRA 611 and FDCPA 807. Immediate correction or removal is required. 
DEPTED/XXXX XXXX | High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Late Payment Inaccurate late payment reporting despite documented compliance has materially harmed my credit score and financial opportunities. Misreporting violates FCRA 623 and FDCPA 808. Immediate correction or deletion is demanded. 
DEPTED/XXXX XXXXXXXX | High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is incorrectly reported. My records demonstrate timely payments and account management. False reporting causes financial and emotional harm and violates FCRA 611 and FDCPA 807. Immediate removal or correction is required. 
DEPTED/XXXX XXXXXXXX | High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Late Payment Repeated misreporting of late payments is false and materially damaging. Documentation proves compliance. This violates FCRA 623 ( a ) ( 1 ) and FDCPA 808. Immediate correction or removal is demanded. 
DEPTED/XXXX XXXXXXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Late Payment The reported late payment is inaccurate and harmful. My records confirm timely payment. Continuous false reporting violates FCRA 611 and FDCPA 807. Immediate investigation and correction are required. 
DEPTEDXXXX XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Late Payment This account is incorrectly reported with late payments. Repeated false entries have severely affected my credit score, causing denial of loans and financial opportunities. Misreporting violates FCRA 623 and FDCPA 808. Immediate removal is demanded. 
DEPTED/XXXX XXXXXXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Late Payment False late payment reporting is materially harming my creditworthiness and causing emotional stress. Evidence confirms on-time payments. Reporting violates FCRA 611 and FDCPA 807. Immediate correction or deletion is required. 
DEPTED/XXXX XXXXXXXX | High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Late Payment This late payment is inaccurately reported. I have proof of timely payments and proper account management. Misreporting violates FCRA 623 and FDCPA 808. Immediate investigation and correction are demanded.

Requested Relief : I request that the CFPB immediately investigate these violations, hold the creditors and credit reporting agencies accountable, and order deletion of all inaccurate, unverifiable, and unlawful reporting. These accounts are being used as a tool to damage my credit standing, and this is a direct violation of my federally protected consumer rights.

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