Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Consumer Financial Protection Bureau I am filing this formal complaint against multiple financial institutions and credit furnishers for reporting inaccurate misleading and unverified information on my credit report in violation of the Fair Credit Reporting Act FCRA 15 USC 1681 et seq and the Fair Debt Collection Practices Act FDCPA 15 USC 1692 et seq These accounts were either never properly validated reported with false derogatory information or were placed on my credit file without permissible purpose causing me ongoing financial harm XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment * * Issue : Late payment reported inaccurately I never received any proper notification or validation of delinquency prior to reporting Additionally the creditor failed to comply with the requirement under FCRA 623 ( a ) ( 5 ) which obligates furnishers to provide accurate and complete information to the credit bureaus This negative reporting was placed without notice violating FCRA 604 ( b ) and FDCPA 809 ( b ) Story : I was under financial hardship due to unforeseen circumstances including loss of employment and temporary disability and had communicated this to the creditor but was ignored The creditor did not work with me or provide hardship accommodation before flagging the account as delinquent XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Reporting a late payment on a closed account with XXXX balance is inaccurate and misleading under FCRA 602 ( a ) and 623 ( b ) If the account is closed and has no balance the existence of a late mark serves no permissible purpose and constitutes willful negligence under FCRA 616 Story : This account was paid and closed in good standing The derogatory mark was placed long after the account closure and without prior notification or validation XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Inaccurate reporting on an account that has been paid off in full The furnisher failed to update the reporting status timely under FCRA 623 ( a ) ( 2 ) and also did not notify the CRAs that the account was paid off and closed FDCPA 807 ( 8 ) prohibits communication of false credit information Story : I successfully paid off this loan and received confirmation from the lender yet the bureaus continue to report late payments damaging my credit without a valid reason XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8000.00} Charge Off * * Issue : This charge-off was reported while I was in the process of disputing the balance and requesting validation The creditor failed to respond to my debt validation request under FDCPA 809 ( b ) and reported the account as charged off in violation of FCRA 611 Story : I was actively communicating with the creditor requesting payment options and debt validation but was ignored and instead penalized by an aggressive charge-off designation during the process of dispute XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : Reporting a charge-off on a paid or zero-balance account is inaccurate and violates the accuracy provisions of FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are required to ensure the information is not obsolete misleading or damaging especially when the balance is XXXX Story : I have documentation proving the account was resolved The continued reporting as a charge-off misrepresents my financial standing and is causing undue harm to my credit profile XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry I never granted permissible purpose or written consent for this hard inquiry under FCRA 604 ( a ) ( 3 ) The inquiry was done without my knowledge or approval and is negatively affecting my credit score Story : I have no existing relationship with XXXX XXXX XXXX and did not apply for any service or credit with them This hard pull is a clear violation of my rights and was done fraudulently XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Hard inquiry was placed without permissible purpose or written authorization under FCRA 604 ( a ) and 615 The bank has not provided any application or agreement to justify the inquiry Story : I never applied for any credit with XXXX XXXX XXXX XXXX and I did not authorize any such inquiry This inquiry is damaging my credit report and should be removed immediately as it was conducted in error or fraudulently All these issues combined have led to emotional distress increased cost of credit and denials for housing and employment opportunities I have attached documentation supporting my claims and previously attempted to resolve these matters directly with the creditors and the credit bureaus but was either ignored or given generic responses in violation of FCRA 611 ( a ) I am requesting that the CFPB launch an immediate investigation into these accounts and inquiries and compel the data furnishers to provide full verification or delete the inaccurate information If these issues are not resolved promptly I am prepared to take legal action under FCRA 616 and 617

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