Consumer complaint received 2025-08-28 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: NM

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Account XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Reported Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Credit reporting agencies must maintain maximum possible accuracy, can not report unverifiable or inaccurate information, and must reinvestigate disputed items properly Issue : This account is showing late payment history that I dispute as inaccurate, unverified, and harmful to my credit profile Story : I never received proper documentation proving the accuracy of this late payment. As this is my third round of dispute, the bureau has failed to provide competent verification from the original creditor. The account remains unsubstantiated and continues to damage my creditworthiness. Continued reporting without proof is a violation of my rights under FCRA Account XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Reported Late Payment * * Law : FCRA 607 ( B ), 611, and FDCPA 807 ( 8 ) Furnishers and bureaus can not report information without proper validation and must ensure accuracy Issue : The late payment notation is unverifiable, misleading, and not supported by original records Story : I requested validation in previous rounds and no original signed documentation has been provided to substantiate this reporting. Inaccurate late payment reporting is damaging my financial standing and ability to obtain fair credit. Without concrete validation from XXXX, this late payment must be removed immediately to comply with federal law AccounXXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Reported Late Payment * * Law : FCRA 602, 607, 611 Requires fair, accurate, and verifiable reporting with proper reinvestigation on disputes Issue : Account is listed with a late payment that is not validated and is therefore inaccurate reporting Story : I have consistently disputed this entry, yet no legal proof or original account-level verification has been provided. This failure to validate constitutes continued noncompliance with the FCRA. Since this is the third round dispute, the lack of proper documentation proves the information is unreliable and must be deleted from my credit report immediately Account XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Reported Charge Off * * Law : FCRA 607 ( B ), 611, FDCPA 809 Credit bureaus and furnishers must only report information that can be verified with competent evidence and must provide proper investigation of disputed accounts Issue : This charge-off notation is inaccurate, unverifiable, and remains unvalidated by any original contract or account-level documentation Story : I never received proof or validation from XXXX  or the bureau supporting the accuracy of this charge-off. Continued reporting without validation violates FCRA and FDCPA requirements. As this is my third round of dispute, the bureau is knowingly maintaining inaccurate information on my file which harms my creditworthiness and violates my legal rights. Immediate removal is required I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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