Consumer complaint received 2025-10-08 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: MA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that have caused significant harm to my credit profile, financial opportunities, and personal wellbeing. I demand a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, as these inaccuracies represent violations of my rights to accurate credit reporting and dispute resolution. I expect CFPB oversight to ensure that all errors are corrected and that responsible reporting practices are enforced. 

ADDRESS DISPUTE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is being reported inaccurately and must be deleted immediately. The inclusion of this incorrect address violates the FCRAs accuracy clause under Section 607 ( b ), which requires all information in my file to be completely verifiable. There is no documentation linking me to this address as part of any valid credit relationship. The presence of this address implies false associations, potential identity confusion, and raises red flags with lenders reviewing my report. I have never provided this address to any creditor, and it should not exist within my file. Under Section 611 ( a ) ( 1 ) ( A ), I am requesting a complete reinvestigation and verification from your data furnishers. Continued reporting of this erroneous address represents a willful disregard for accuracy and fairness under FCRA 602A. I expect deletion within the required 30-day investigation period, or I will escalate this matter to the CFPB. Inaccurate address linkage can lead to data contamination, which violates the duty to maintain maximum possible accuracy. Remove this address immediately from my credit report and confirm the deletion in writing. 

ACCOUNT DISPUTES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a late payment that is false and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must ensure data accuracy before reporting. The payment data reported does not align with verified bank or transaction history. Your bureau is required to confirm authenticity through direct documentation. Reporting incomplete or outdated information violates Section 607 ( b ) and constitutes negligent noncompliance. The late payment notation misrepresents my responsible financial conduct. Such false reporting causes substantial damage to my reputation and score, preventing fair credit access. The absence of any supporting evidence from the furnisher renders this information unverifiable. Any data not validated through proper records must be deleted as required by FCRA 611 ( a ) ( 5 ) ( A ). I request that this account be investigated thoroughly, verified through documentation, or permanently deleted. The repeated inaccuracy here demonstrates failure to uphold compliance and consumer protection standards. The continued reporting of unverified late payments causes tangible harm in lending and insurance applications. I demand a full review of the original payment history, including billing statements and correspondence, to substantiate the claim. If such evidence does not exist, immediate deletion is required to comply with federal law and protect my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charge-off is being reported inaccurately and violates the FCRA. The alleged debt lacks lawful validation or verification under Section 623 ( a ) ( 3 ). Furnishers are required to provide proof of the original delinquency and lawful charge-off classification. Without documentation, continued reporting is a violation of Section 607 ( b ) and misrepresentation of my credit history. The charge-off claim harms my score and financial standing with no substantiated records. I request full validation showing payment history, charge-off notices, and supporting agreements. Reporting unverifiable charge-offs misleads lenders and creates financial injury. Under Section 611 ( a ), unverifiable information must be deleted immediately. Your reinvestigation should include direct contact with the furnisher and full review of account records. In the absence of proper proof, this entry must be permanently removed. Failure to correct this issue may result in a CFPB and state attorney general complaint for willful noncompliance. The inaccurate charge-off falsely portrays a default that never occurred, affecting my loan applications and interest rates. I demand immediate documentation or permanent deletion to ensure compliance with the FCRA and protect my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account reflects inaccurate charge-off information. No documentation supports the alleged delinquency or loss classification. Under FCRA 607 ( b ) and 611 ( a ) ( 1 ), all data must be complete and verifiable. The reporting furnisher has not provided records that confirm my liability or default. Continuing to report unverifiable charge-offs violates my consumer rights and federal law. The alleged charge-off date conflicts with actual payment records, showing an internal reporting error. I have never received a notice or verification validating this event. The bureau must demand written verification from the furnisher within 30 days. Any failure to validate makes this item subject to immediate deletion under Section 611 ( a ) ( 5 ) ( A ). The current report misrepresents my creditworthiness, causing unjust harm. Correct or delete this entry immediately to restore the integrity of my file. Duplicate reporting, missing verification, and misleading balance information exacerbate the negative effect on my credit profile. Immediate removal is required to prevent further financial and reputational harm. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * This student loan entry shows late payments that are not supported by any validated record. Federal servicers are obligated to maintain strict accuracy under both FCRA and the XXXX XXXX XXXX. The reported data shows missing dates and inconsistent payment history. I have made timely payments that are not reflected in this record. The error severely impacts my report and eligibility for credit and housing. Under FCRA 611 and 623 ( b ) ( 1 ) ( A ), the bureau must reinvestigate and confirm the accuracy. If validation can not be produced, deletion is required. False late payment data causes ongoing financial harm and emotional stress. I request immediate investigation and full verification from the original data furnisher. Any failure to correct or remove this inaccurate information violates consumer protection law. Please delete this unverifiable negative entry immediately. Reporting inaccurate student loan delinquencies can mislead lenders and prevent fair access to refinancing or federal repayment programs. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * * This duplicate record under the same lender is inaccurate and misleading. Reporting the same obligation twice violates FCRA Section 607 ( b ), as it creates a false impression of multiple delinquencies. The inconsistent amounts indicate duplication rather than distinct loans. I request full documentation from the data furnisher to prove legitimacy. Duplicating a single account into multiple derogatory listings is unfair and deceptive. Such reporting has a severe negative effect on creditworthiness. Under Section 611 ( a ) ( 1 ), unverifiable or duplicative data must be deleted. Repeated entries under the same loan servicer without distinct account validation are unlawful. This misrepresentation damages my financial reputation and violates the duty of maximum accuracy. Please delete this duplicate record immediately to ensure compliance. These repeated duplicates may constitute reckless or willful violation of FCRA reporting requirements and must be corrected immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entry is inaccurate and unverified. The late payment reported is inconsistent with verified payment logs. FCRA 623 ( b ) ( 1 ) ( A ) mandates furnishers to correct incomplete or false information upon dispute. The continued reporting without validation is unlawful under federal standards. The alleged delinquency lacks documentation or billing history to prove accuracy. Reporting such unverifiable data constitutes willful disregard for accuracy standards. I have never received evidence or correspondence showing late status. This false information impacts my ability to secure fair credit and damages my credibility. I demand reinvestigation and deletion under Section 611 ( a ) ( 5 ) ( A ). All unsubstantiated late payments must be immediately removed from my report. Continued failure to remove inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Late Payment * * This account contains false late payment data and violates FCRA accuracy standards. No record exists confirming late payment or missed billing cycle. Section 607 ( b ) requires your bureau to maintain verified, up-to-date information. The inaccurate notation harms my credit profile unjustly. Under Section 623 ( b ), furnishers must investigate and correct or delete disputed data within 30 days. Continued reporting without validation demonstrates negligence and noncompliance. Such misinformation has caused repeated denials and unfair financial consequences. I am demanding proof of payment history, statements, or written validation. Without verification, you must delete this negative mark immediately. The FCRA grants me the right to a fair and accurate report, which this record currently violates. Reporting false late payments impacts loan approvals, insurance rates, and rental applications and must be corrected immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Charge-Off * * This record reflects a charge-off with zero balance, which is contradictory and inaccurate. Reporting a charge-off when the balance is zero violates the principle of data integrity under FCRA 607 ( b ). No documentation shows any unpaid amount or loss event. The inconsistency shows incomplete verification by the furnisher. Such false reporting misleads potential creditors and must be deleted. Section 611 ( a ) ( 1 ) requires verification ; without it, removal is mandatory. A charge-off can not exist with a {$0.00} balance under any recognized accounting standard. Continued reporting of this account is negligent and unfair. This entry must be removed immediately to restore compliance and accuracy. The zero-balance charge-off misrepresents my payment history and damages my financial credibility. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Late Payment * * This record shows inaccurate late payments with missing verification. Section 607 ( b ) requires accuracy, completeness, and maximum possible verification. Payment history reported is inconsistent with actual records maintained by the servicer. There is no evidence provided to confirm that any payment was late or missed. Reporting unverifiable or incomplete data causes measurable harm to my creditworthiness and misrepresents my financial behavior. Under Section 611 ( a ), the credit bureau is obligated to conduct a full reinvestigation with the original furnisher and provide evidence of verification. Failure to provide documentation or correct this entry constitutes negligent noncompliance and potential willful violation of FCRA. The inaccurate reporting negatively impacts my ability to obtain loans, insurance, and housing, and creates reputational harm. The repeated reporting of this unverifiable late payment shows disregard for federal consumer protections. I request immediate deletion if verification can not be produced. The bureau must confirm results of the reinvestigation in writing. Continued inclusion of false or unverifiable data may result in formal complaints to the CFPB and state regulators. I demand that corrective action be taken without delay, and any related duplicates or misstatements associated with this loan be removed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment * * This duplicate loan record misrepresents my payment history and falsely inflates delinquencies. Section 607 ( b ) of the FCRA mandates accurate and complete reporting of consumer credit information. Duplication of the same obligation violates federal law and misleads lenders. XXXX from the furnisher is requested to substantiate this account ; absent such verification, deletion is required under Section XXXX ( a ). XXXX harms my XXXX XXXX, financial reputation, and access to fair lending opportunities. The continued reporting of unverifiable or duplicative information constitutes willful or negligent noncompliance. This misrepresentation causes financial and emotional harm by suggesting multiple delinquencies where none exist. XXXX deletion or correction is required, and any confirmation from the furnisher must be provided in writing. XXXX should include review of payment history, servicer correspondence, and account statements. The bureau is obligated under FCRA to ensure that the file reflects only accurate and complete information. This false reporting XXXX have prevented favorable interest rates or loan approvals. I demand full compliance and correction to restore accuracy to my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account falsely reports a late payment, which is inaccurate and unverifiable. Section XXXX ( b ) mandates accuracy and completeness, and reporting unverified late payments violates FCRA. No supporting documentation exists to justify this derogatory status. XXXX harms my credit, decreases my score, and negatively impacts lending decisions. XXXX XXXX under XXXX XXXX ( a ) is required, and deletion must follow if verification can not be produced. Continued reporting demonstrates negligent compliance with federal law. The bureau must request full payment records, statements, and correspondence from the furnisher to substantiate this account. Reporting inaccurate information undermines the integrity of the credit reporting system and violates my rights. Unverified or false derogatory marks interfere with access to fair credit and financial opportunities. I demand prompt deletion and written confirmation of the reinvestigation results. Failure to act will result in formal complaints to CFPB and state authorities. This record also misrepresents my payment history to future lenders and constitutes harm under federal law. 

AFFIRM XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-Off This charge-off is inaccurate, unverifiable, and misleading. Section 607 ( b ) of the FCRA requires accurate reporting, and Section 611 ( a ) mandates reinvestigation of disputed accounts. No documentation supports the alleged charge-off, including payment history, account agreements, or notices from the furnisher. XXXX harms my creditworthiness and financial reputation, impacting lending, housing, and insurance applications. Continued reporting of unverifiable information constitutes negligent or willful noncompliance. XXXX deletion is required if verification can not be provided. The bureau must request substantiating records from the furnisher, including billing statements and account history. This false reporting diminishes my XXXX XXXX, misleads lenders, and violates my consumer rights. I demand a thorough reinvestigation and written confirmation of results. Reporting unverifiable charge-offs creates unjust financial harm and is a violation of FCRA standards. Failure to correct this record XXXX result in CFPB complaints and potential legal action. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$150.00} XXXX * This account is inaccurately reported as a collection. Section XXXX ( b ) requires accuracy and verification, and Section XXXX ( a ) mandates reinvestigation upon dispute. No records substantiate the alleged collection status. Misreporting negatively impacts my credit, financial opportunities, and access to fair lending. The unverifiable status causes ongoing harm and misrepresents my financial history. XXXX reinvestigation and deletion are required. The bureau must request verification from the furnisher, including statements and account records. Continued reporting of inaccurate information is negligent and violates federal consumer protection law. This account misleads lenders and harms my reputation. I demand prompt deletion if validation can not be provided, with written confirmation. Reporting unverifiable collections is a violation of FCRA and results in tangible harm. 

XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$390.00} XXXX * This accounts charge-off is inaccurate and unverifiable. Section XXXX ( b ) requires accurate reporting, and Section XXXX ( a ) mandates reinvestigation for disputed accounts. No evidence substantiates the alleged charge-off, including account statements, agreements, or communications from the furnisher. XXXX harms my XXXX XXXX, access to loans, and financial reputation. XXXX deletion is required if verification can not be provided. The bureau must contact the furnisher for documentation and provide written confirmation of results. Continued reporting constitutes negligent or willful noncompliance with FCRA. This false entry misleads lenders and creates financial harm. I demand full reinvestigation and removal if unverifiable. 

INQUIRIES : XXXX CARD Date : XX/XX/XXXX This hard inquiry was not authorized by me. Section XXXX ( a ) requires consumer authorization for all inquiries. Unauthorized inquiries harm my XXXX XXXX and misrepresent my credit activity. XXXX deletion is required. The bureau must verify authorization from the furnisher and provide written confirmation. Reporting inquiries without consent violates FCRA. Unauthorized inquiries affect lending decisions and create reputational harm. Failure to remove such entries constitutes negligence. I demand prompt reinvestigation and deletion. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized. Section 604 ( a ) mandates consumer consent for credit pulls. Unauthorized inquiries harm my creditworthiness and misrepresent my activity. XXXX deletion is required. XXXX of authorization must be provided. Continued reporting without consent violates federal law and causes measurable damage. I demand deletion and written confirmation. Reporting unverifiable or unauthorized inquiries is negligent and XXXX result in CFPB complaints. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry was made without my authorization. Section XXXX ( a ) requires consent. Unauthorized inquiries negatively impact my XXXX XXXX and misrepresent my credit activity. XXXX deletion is required. Furnisher verification is requested. Continued inclusion is negligent and a violation of FCRA. I demand reinvestigation, deletion if unverifiable, and written confirmation. Unauthorized inquiries harm financial reputation and access to credit. 

I formally request CFPB intervention to enforce compliance with FCRA and ensure all inaccurate late payments and unauthorized inquiries are corrected immediately. I am entitled to accurate credit reporting, and the continued presence of these errors constitutes a violation of federal law and harms my financial well-being. I expect CFPB oversight to guarantee that all errors are removed, responsible parties are held accountable, and my consumer rights are fully protected.

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