Consumer complaint received 2025-10-23 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 submitting this complaint regarding inaccurate reporting, unauthorized inquiries, and unfair handling of my accounts which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies and unauthorized activities are harming my credit and must be fully investigated and corrected. I request immediate investigation, correction, and verification of all listed items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} late payments are inaccurate. My records prove payments were made on time. Reporting false late payments violates FCRA 1681i and misrepresents my credit history. Please provide verification or remove immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4400.00} late payments are false. I have documentation showing consistent on-time payments. Inaccurate reporting harms my creditworthiness ; correct or delete this entry. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3400.00} late payments are inaccurate. This information can not be verified with my payment history. Reinvestigation is required under FCRA 1681i ; remove if unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4200.00} late payments unverified. Payments were made according to the schedule. Reporting inaccurate late payments is a violation of FCRA ; please correct or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} late payments are false. Documentation confirms timely payments. I request immediate reinvestigation and removal if verification can not be provided. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$7300.00} late payments are inaccurate. My records contradict this reporting. Unverified or false information must be removed under FCRA XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4400.00} late payments false. I have proof of payment on time. This misreporting affects my credit score ; verify or delete immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4500.00} late payments are inaccurate. Proper documentation shows timely payments. In accordance with FCRA 1681i, I request correction or deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00} late payments false. My payment history confirms on-time payments. Please remove or correct these unverifiable entries immediately. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4700.00} charge-off inaccurate. Records indicate the account was handled properly. FCRA 1681i requires correction or deletion if unverifiable ; please reinvestigate. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX inquiries unauthorized. I did not authorize these checks. FCRA XXXX ( f ) requires permissible purpose ; remove immediately. 

XXXX XXXX XXXX XX/XX/XXXX inquiry unauthorized. This inquiry was not approved by me. It violates FCRA 1681b ( f ) ; delete from my report without delay. 

I am exercising my rights under FCRA and FDCPA to ensure all inaccurate, unverifiable, and unauthorized information is corrected or removed. These issues have directly caused financial harm, denied me fair credit opportunities, and violated federal law. I request CFPB intervention, full investigation, and prompt correction of all items listed above.

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