Consumer complaint received 2025-11-05 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:
Dear CFPB Representative, I am submitting this complaint because multiple credit reporting agencies are showing inaccurate, unverified, and misleading information on my credit reports. I have disputed these items directly with the bureaus, but the accounts remain without proper validation or correction. The listed accounts are damaging my credit profile and misrepresenting my financial history. 
Below are the accounts in question : Disputed Accounts : XXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment This account is being reported with late payment history that is not accurate. I have no record of ever missing or making late payments to this servicer. Please correct this reporting to reflect an accurate on-time payment history or remove it if unverifiable. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : 08/20/2009Balance : $ XXXXStatus : Late Payment This entry appears to be duplicative and shows an inaccurate late payment notation. I request full verification of payment history and correction or deletion if unverifiable. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment This record shows false late payment information. Please verify with complete documentation from the original creditor and correct or delete as appropriate. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment This account is not being reported accurately. I dispute all negative payment history as it does not reflect my actual payment behavior. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment Please verify this accounts payment data. I have never made any late payments on this loan, and the negative history must be corrected or deleted. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXX : Late Payment This appears to be a duplicate or misreported loan. The listed late payment information is inaccurate and requires correction or deletion. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : XXXX XXXXXXXXStatus : Late Payment This accounts late payment notation is unverified and incorrect. Please update the record to reflect timely payment history or delete the entry. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment This item is inaccurately showing late payment. I request a full investigation and correction under FCRA Section XXXX and XXXX. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Late Payment I dispute this record as the reported late payment history is false and damaging. Please verify and correct or delete. 
XXXXXXXX XXXX XXXXXXXX Acct : XXXX Date Opened : XXXXBalance : XXXX XXXXStatus : Late Payment This account reflects inaccurate late payment data. I am requesting a correction to reflect accurate payment history. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Collection I have no knowledge of this debt or any dealings with this collection agency. I request immediate deletion if full documentation and signed proof of debt are not provided. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXtatus : Collection I do not recognize this account. There has been no prior notice or validation of this alleged debt. Please remove this entry if it can not be verified within the XXXX investigation period. 
XXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Charge Off I have no knowledge of this charge-off. I never received validation or notice regarding this debt. Please provide complete verification or delete the account if you can not confirm its accuracy. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XXXXBalance : XXXX XXXXStatus : Charge Off This account is being reported as charged off without proper validation. I dispute this entry as inaccurate and request deletion unless full proof of the alleged debt is provided. 
XXXX XXXX XXXX Acct : CLXXXX Date Opened : XXXXBalance : XXXX XXXXStatus : Charge Off This appears to be a duplicate and inaccurate entry. I have no association with this account. Please remove it from my credit report if you can not provide full verification. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XXXXBalance : Status : Late Payment This record also reflects false late payment information and may be a duplicate. Please conduct a full reinvestigation and remove any unverified negative data. 
XXXXXXXX XXXX XXXXXXXX XXXX Acct : XXXX Date Opened : XXXXBalance : XXXX XXXXStatus : Charge Off I have no knowledge of this account or any business relationship with this creditor. Please delete this entry immediately if it can not be verified. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XXXXBalance : $ XXXXStatus : Collection I do not recognize this collection account. I have never received any proof of debt from this agency. Please remove this unverifiable collection from my credit file. 
Summary of Complaint Each of the above accounts either : Contains false or inaccurate late payment notations, Reflects unverifiable charge-offs, or Represents accounts I have no knowledge of or relationship with. 
Despite submitting disputes to the credit bureaus, these entries remain unchanged. This violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), which require credit reporting agencies to verify accuracy and completeness or delete unverified information within XXXX  days. 
These errors are causing harm to my creditworthiness and must be fully investigated. I am requesting that the CFPB ensure the credit bureaus and furnishers provide complete documentation supporting the validity of each account. If they can not, I ask that the items be permanently deleted from my credit report. 
Requested Action : Require each credit bureau and data furnisher to provide full validation, including signed contracts and payment records. 
Remove all unverifiable, duplicate, or inaccurate accounts. 
Ensure compliance with the FCRA and hold furnishers accountable for inaccurate reporting.

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