Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this formal complaint regarding multiple serious inaccuracies appearing on my consumer credit reports. Despite my disputes, these errors continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 1681e ( b ) and 1681i. 

Below are the items in dispute : XXXX. XXXX XXXX XXXX XXXX XXXX Incorrect Late Payment Reporting The following accounts are all reporting late payments that are factually incorrect. I have never made a late payment on these accounts. Reporting otherwise is inaccurate and misleading. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payment These accounts are being reported with false delinquency history. If accurate payment records can not be produced, these late payment notations must be corrected immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Late Payment This account is reporting late payments despite a XXXX balance, which is inconsistent and inaccurate. This reporting must be corrected or removed. 

XXXX. Charge-Off Accounts No Knowledge/ Not Mine I have no knowledge of the following accounts, nor have I ever authorized them. Reporting these accounts as charge-offs without proper verification violates the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off If the furnishers can not provide valid, documented proof that these accounts belong to me, they must be deleted from my credit file. 

XXXX. Unauthorized Credit Inquiries The following inquiries were made without my authorization and without a permissible purpose under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries must be removed immediately unless valid authorization can be produced. 

Request for CFPB Action I respectfully request that the CFPB : Require all furnishers and credit reporting agencies to conduct a full and lawful reinvestigation. 

Correct or delete all inaccurate late payments. 

Delete all charge-off accounts for which no valid proof of ownership exists. 

Remove all unauthorized inquiries. 

Ensure ongoing compliance with the Fair Credit Reporting Act. 

I expect these inaccuracies to be resolved promptly and permanently. 

Thank you for your attention to this matter.

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