Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting multiple accounts in a manner that is false, unverifiable, contradictory, and misleading. Each of these items is actively harming my credit score, misrepresenting my creditworthiness to lenders, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are in dispute : XXXX. XXXX XXXX This account was closed in XXXX with a {$0.00} balance, yet Experian continues to report derogatory 30- and 60-day late marks. Reporting late payments after an account is closed and satisfied is both logically impossible and legally impermissible. Once a balance is paid and the account is closed, there is no lawful basis for Experian to continue to present the account as derogatory. This practice misrepresents the true legal status of the account and creates the false impression that I remain delinquent. Under FCRA 1681e ( b ), Experian has a duty to assure maximum possible accuracy. By continuing to display lates on a closed/ {$0.00} balance account, Experian is failing to meet this standard. Further, under FCRA 1681c ( a ) ( 5 ), obsolete negative information beyond 7 years can not remain, and these lates are approaching that limit. 
XXXX. XXXX XXXX XXXX This account is listed as a {$160.00} charge-off, with multiple derogatory late marks ranging from 30 days to 150 days. However, Experian has failed to provide any signed contract, full payment history, or documentation showing how this balance was calculated. Under FCRA 1681i, if an item can not be verified, it must be deleted. Without a signed agreement or full accounting breakdown, this charge-off is unverifiable. Moreover, reporting it as charge-off while failing to validate ownership or accounting violates FDCPA 1692e ( 2 ) ( A ), which prohibits misrepresenting the character or amount of a debt. 
XXXX. XXXX XXXXXXXX XXXX XXXX This installment account was closed with a {$0.00} balance, yet Experian continues to report derogatory late marks. A closed account with a XXXX balance can not remain in a delinquent state. Reporting it as such is a misrepresentation of its legal status and creates a misleading impression of ongoing delinquency. This is a direct violation of FCRA 1681e ( b ) accuracy standards. Experian is knowingly publishing misleading data. 
XXXX. XXXX XXXX XXXX XXXX Experian reports this account as a {$5600.00} charge-off, yet has failed to provide any evidence of the alleged debt : no signed contract, no original loan application, no complete payment history, and no accounting ledger to justify the balance. Without validation, this reporting is unverifiable and unlawful under FCRA 1681i ( a ). Further, under FDCPA 809 ( 15 U.S.C. 1692g ), I am entitled to validation of any debt reported, which includes the contract, complete history, and proof of legal right to report. Experian has not produced such documentation. Continuing to report a charge-off with no validation constitutes willful noncompliance. 

These inaccuracies are not harmless. They are materially damaging me by : Lowering my FICO score substantially. 
Preventing me from qualifying for prime credit offers and credit cards. 
Forcing me into higher-interest loans and unfavorable terms on auto financing. 
Blocking my ability to access housing opportunities where Experian is used for tenant screening. 
Creating reputational harm and stress by misrepresenting my creditworthiness.

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