Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccurate and harmful entries on my credit report that are negatively impacting my financial standing and access to credit. These accounts include false late payments and collections that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I request immediate investigation, correction, and removal of these inaccurate items. 
XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment The reporting of late payments on this account is inaccurate and misleading. I have consistently maintained payments on time, and there is no valid documentation supporting the alleged late payment. Under FCRA 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item. Reporting inaccurate late payments without verification constitutes willful misrepresentation and is damaging my credit profile, preventing fair access to financial services. I request that this late payment be removed immediately, and that you provide me with a copy of any documentation you claim supports this claim. 
XXXXXXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue Collection This account is being reported as in collection erroneously. I have never received proper notification or validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Reporting a debt that has not been validated is unlawful and constitutes harassment. The reporting of this collection is materially false, negatively affecting my credit score, and causing severe financial harm. I demand that this account be verified according to law, and if validation can not be provided, that the collection entry be deleted immediately. 
XXXX XXXX High Balance : {$290.00} Date Opened : XX/XX/XXXX Issue : Collection This account is also being inaccurately reported as in collection. No notice, statement, or communication has been received regarding this alleged debt. Under FDCPA XXXX, consumers have a right to dispute and require verification of any alleged debt. Reporting unverifiable debts is a violation of federal law and damages my reputation and creditworthiness. I demand immediate deletion of this account until verified evidence is provided.

These inaccurate reports have caused real harm including denial of credit, increased interest rates, and undue stress. I am exercising my rights under FCRA 611 and FDCPA provisions to request immediate investigation, correction, and removal of these inaccurate and unverifiable items. I request written confirmation of actions taken regarding this complaint.

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