Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
This is a formal complaint regarding inaccurate, unverifiable, and damaging information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) for maximum possible accuracy, 1681i for reinvestigation of disputed information, and 1681s-2 ( b ) for the duty of furnishers to investigate and correct errors. The following addresses and accounts are being reported without proper verification, causing significant harm to my creditworthiness, emotional well-being, and financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} Date Opened XXXX Collection * * ISSUE : This account 's balance is incorrectly reported ; the open date is inaccurate, and no validation has been provided by the creditor proving my obligation. LAW : FCRA 1681e ( b ) mandates maximum possible accuracy ; FDCPA 809 ( b ) requires validation before reporting or collection attempts. STORY : I never received any validation, signed contract, or payment history confirming this debt. The lack of communication and supporting documentation suggests this might be a case of mistaken identity or outdated records. This false reporting severely undermines my credit standing, leading to unjustified credit denial and financial hardship. 

XXXX XXXX XXXXXXXX Balance {$1800.00} Date Opened XXXX Collection * * ISSUE : Duplicate reporting of the same debt with conflicting balances and dates, violating accuracy and fairness laws. LAW : FCRA 1681i ( a ) prohibits duplicate and misleading listings ; FDCPA 807 forbids false representation of debt status. STORY : Appearance of XXXX entries for the same account with differing balances and dates confuses creditors and damages my credit score. Despite repeated requests to verify this information, proper validation was not provided, suggesting willful negligence or error. 

XXXX XXXX XXXXXXXX Balance {$1800.00} Date Opened XXXX Collection * * ISSUE : Repeated conflicting data for the same account adds confusion and harm. LAW : Violations under FCRA 1681 and FDCPA 807 continue with duplicate reporting. STORY : Reporting XXXX different balances for XXXX account without justification misleads credit decision systems and unfairly penalizes me financially. This undermines trust and transparency in credit reporting. 

XXXX XXXX XXXX Balance {$2200.00} Date Opened XXXX Collection * * ISSUE : No original creditor is named ; account details are incomplete and unverifiable. LAW : FCRA 1681g requires disclosure of creditor ; FDCPA 809 mandates debt validation. STORY : I have no knowledge or records of this debt. No verification letters, contracts, or chain of custody documents were ever provided. This unverifiable account violates my consumer rights and damages my credit unfairly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Incorrectly reported late payments on a {$0.00} balance closed account. LAW : FCRA 1681c ( a ) ( 5 ) prohibits obsolete or inaccurate negative information. STORY : This account was closed in good standing with no outstanding balance. Incorrect reporting of late payments distorts my credit history and misleads lenders. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$94.00} Date Opened XXXX Late Payment ISSUE : Minor balance reported late with no full validation and unresolved dispute history. LAW : FCRA requires accuracy ; unverifiable data can not be reported. STORY : Billing errors and disputes were never resolved, yet the account is reported as late, unfairly damaging my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Incorrect late payments reported after account was settled. LAW : FCRA 1681e ( b ). STORY : This account was fully paid, but late payments continue to be inaccurately reported, causing undue harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3400.00} Date Opened XXXX Late Payment * * ISSUE : Failure to update account status post settlement ; inaccurate delinquency reports remain. LAW : FCRA and FDCPA prohibit incorrect and misleading reporting. STORY : Despite settling the debt in full, the creditor has not updated the report to show this, resulting in unjust credit damage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XXXX Late Payment * * ISSUE : Misreported payment dates and balances. LAW : FCRA 1681e ( b ). STORY : Despite timely payments, late status was incorrectly assigned, harming my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Date Opened XXXX Late Payment * * ISSUE : Inaccurate late payment reporting. LAW : FCRA 1681e ( b ). STORY : Payments were timely or corrected but still reported as late, unjustly damaging my history. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened XXXX Late Payment ISSUE : Unvalidated negative reporting. LAW : FCRA and FDCPA validation requirements. STORY : No proof or validation of this debt has been provided despite multiple requests. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Late payment on XXXX balance with no substantiation. LAW : FCRA accuracy mandate. STORY : This reporting is misleading and unfairly harms my credit reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX ISSUE : Missing original creditor information ; unverifiable account. LAW : FCRA 1681g. STORY : I have never received proper documents or statements confirming this debt 's validity. 

XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date Opened XXXX Late Payment * * ISSUE : Obsolete and unsupported negative report exceeding permissible duration. LAW : FCRA 605 ( a ). STORY : This information should be deleted due to age and lack of verification. 

RESOLUTION REQUESTED Permanent deletion of the XXXX inaccurate addresses listed above. 
Permanent deletion of the XXXX charge-off accounts due to lack of verification and inaccuracy. 
Written confirmation from all credit bureaus that the deletions have been completed. 
LEGAL NOTICE If the above items are not removed within 30 days as required by the FCRA, I will pursue further remedies including filing additional complaints with the FTC, State Attorney General, and initiating legal proceedings in federal court under 15 U.S.C. 1681n for willful noncompliance and damages.

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