Consumer complaint received 2025-08-23 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:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance Owed : {$200.00} Late Payment Law/Issue This account is reporting late payments that are inaccurate and unverified. Under FCRA Section 602 ( A ) and Section 611, the reporting of any unverifiable or inaccurate payment history is a violation of my consumer rights. A creditor must provide complete and accurate records, and if they can not, the item must be deleted Story I have reviewed my personal records, and I have no evidence of any late payments as reported by XXXX  XXXX. Furthermore, XXXX XXXX has failed to provide me with sufficient documentation proving the accuracy of this accounts alleged delinquencies. This entry is damaging my creditworthiness unfairly and is causing me harm in obtaining fair credit opportunities Instruction I request that you conduct a proper reinvestigation with the furnisher, provide documented proof of the alleged late payments, or immediately delete this account from my credit report if verification can not be completed Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance Owed : {$19000.00} Late Payment Law/Issue The late payments being reported are inaccurate and unverifiable. FCRA Section 607 ( b ) requires maximum possible accuracy. Continued reporting of this alleged delinquency without proper validation is a violation of federal law Story I have not received any verification from XXXX proving these late payments occurred. The reporting is damaging my ability to secure financing and misrepresents my payment history. The harm being done is significant and unfair under the law Instruction I am demanding that you reinvestigate this account thoroughly, request exact records from the creditor, and provide me with written proof of the alleged late payments. If the creditor can not provide evidence, this account must be removed from my credit file immediately I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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