Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complaint Type : Inaccurate, outdated, incomplete, and unverifiable negative information reported in violation of federal law. 


I am filing this formal complaint against Experian and the data furnishers listed below for reporting inaccurate, outdated, and unverifiable negative information on my credit report, in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Despite my rights under the FCRA to have accurate and verifiable information on my credit file, the following accounts contain harmful errors that are either inaccurate, incomplete, or unverifiable : Accounts in Violation : XXXX. XXXX XXXX Account Status : Charged Off Violation : FCRA 1681e ( b ) Reporting inaccurate balance and charge-off with inconsistent dates ; failure to ensure maximum accuracy.

Issue : No proof this debt is verifiable, balance has remained static for months, and charge-off status conflicts with payment records. 

XXXX. XXXX XXXX Account ( second listing ) Status : Charged Off Violation : FCRA 1681i ( a ) Failure to investigate and correct duplicative and confusing entries ; also lacks documentation of full chain of title to verify ownership. 
Issue : Possibly duplicative account ; lacks verification and complete account history. 

XXXX. XXXX Card Account Status : Charged Off Violation : FCRA 1681e ( b ), 1681i Inaccurate balance and reporting ; account not validated.

Issue : No debt validation notice ever received. Reporting past due balance and charge-off without evidence or ownership validation. 

XXXX. XXXX XXXX XXXX ( Multiple Accounts ) Status : Multiple accounts reported as severely past due Violation : FCRA 1681s-2 ( b ), 1681e ( b ) Improper reporting of deferments and natural disaster relief ; balances do not reflect forbearance or 0-payment periods during national emergencies.

Issue : These are federally backed student loans and were under CARES Act protectionsreporting is incomplete and materially misleading.

Legal Grounds for This Complaint : 15 U.S.C. 1681e ( b ) : Experian failed to maintain reasonable procedures to assure maximum possible accuracy. 
15 U.S.C. 1681i : Experian did not reinvestigate or correct inaccurate information after being notified.

15 U.S.C. 1681s-2 ( b ) : Furnishers failed to investigate and correct disputed information.

15 U.S.C. 1681c ( a ) : Negative credit information is being reported past allowable time frames ( e.g., multiple delinquencies and charge-offs ).

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Failure to provide debt validation for accounts later charged off and reported derogatorily.

Please confirm receipt of this complaint and inform me of the action taken against these reporting violations. I am prepared to escalate to legal action if this matter is not resolved promptly and justly.

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