Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate and harmful items reported on my credit reports by various furnishers and credit reporting agencies. These accounts are either reported in error, contain inaccurate information, or are causing duplicate harm to my credit standing. Despite prior attempts to dispute these issues directly with the credit bureaus, no appropriate action has been taken, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts : XXXX. XXXX XXXX Account # : XXXX Status : Charge Off | High Balance : {$2500.00} | Date Opened : XX/XX/XXXX o This account is listed as a charge-off with no clarification of accurate payment history or notice. 
o Violation : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information. 
XXXXXXXX XXXX Account # : XXXXXXXX XXXX Status : Late Payment | High Balance : {$1700.00} | Date Opened : XX/XX/XXXX o Late payments were reported without providing validation or notice of delinquency. 
o Violation : FCRA 611 failure to reasonably investigate disputes. 
XXXX. XXXX XXXX XXXX Account # : XXXX Status : Late Payment | High Balance : {$2300.00} | Date Opened : XX/XX/XXXX o The information lacks proof and has negatively impacted my creditworthiness. 
o Violation : FCRA 1681s-2 ( b ) failure to update or correct inaccuracies. 
XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Status : Late Payment | High Balance : {$1300.00} | Date Opened : XX/XX/XXXX o Extremely old account still reporting delinquency beyond normal reporting period. 
o Violation : FCRA 605 ( a ) obsolete information reporting beyond XXXX years. 
XXXX. XXXX  Account # : XXXXXXXX XXXX  Status : Late Payment | High Balance : {$320.00} | Date Opened : [ Invalid Date ] o The accounts opening date appears to be corrupted ( {$210.00} ). Reporting lacks transparency. 
o Violation : FCRA 602 unclear and misleading data provided to consumers. 
XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Status : Late Payment | High Balance : {$17000.00} | Date Opened : XX/XX/XXXX o No proper documentation provided to validate these alleged late payments. 
o Violation : FCRA 611 & 623 ( a ) ( 5 ) inaccurate date/amount. 
XXXX. XXXX XXXX  Account # : XXXX XXXX ( Multiple entries ) Status : Late Payments o Date Opened # XXXX : XX/XX/XXXX o Date Opened # XXXX : XX/XX/XXXX o Date Opened # XXXX : XX/XX/XXXX ( SXXXX XXXX XXXX # XXXX ) o The same account is listed multiple times with slight variations, causing duplicate derogatory reporting. 
o Violation : FCRA 605B duplicate entries causing unfair harm. 
XXXX. XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX  Status : Collection | High Balance : {$640.00} | Date Opened : XX/XX/XXXX o I was never informed of this collection. No communication, validation notice, or opportunity to dispute was provided. 
o Violation : FDCPA 809 ( a ), FCRA 623 ( b ) Unauthorized/Unverified Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX These inquiries were made without my consent or initiation of a credit relationship. 
Violation : FCRA 604 permissible purpose required for inquiries.

Narrative Summary : I am the victim of repeated and unjust reporting errors across multiple accounts and inquiries. These derogatory entries some duplicated, some unverifiable, and some plainly outdated have significantly impacted my financial stability, creditworthiness, and mental health. I have attempted to resolve these matters with the bureaus directly, but either received no response or vague template replies that failed to conduct a proper reinvestigation as required by law. 
In particular, the repeated listing of the same XXXX XXXXXXXX account under XXXX different open dates shows either negligence or intent to cause duplicative harm. Similarly, the XXXX  entries are reporting outdated and incorrect information, and XXXX XXXX has reported collections without validation. 
These issues not only constitute a violation of federal law but are damaging my ability to obtain housing, employment, and basic financial services. 
Relief Requested : 1. Immediate removal or correction of the above-listed inaccurate, duplicate, outdated, and unverifiable accounts and inquiries from all credit bureaus ( Experian, Equifax, TransUnion ) .

2. A full reinvestigation as required under FCRA 611 and documented response to my claims. 
3. A written explanation from each furnisher and bureau regarding the source, validation, and purpose of the data reported. 
I trust the CFPB will investigate this matter with urgency and ensure that my consumer rights are protected under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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