Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and unlawful information that violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Consumer Financial Protection Act. These accounts are damaging my credit profile, preventing me from accessing fair credit opportunities, and causing me financial and emotional harm. 
XXXX XXXX XXXX High Balance : {$460.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is being reported as a charge off, but the information furnished is both incomplete and unverifiable. Under FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. This account does not reflect accurate reporting, contains outdated and inconsistent information, and is causing significant harm to my creditworthiness. Additionally, if the debt was charged off and sold, the original creditor can not continue to report an outstanding balance, which violates FCRA 1681s-2 ( a ). 
XXXX XXXX High Balance : {$900.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is listed as a charge off without proper documentation. Under FDCPA 809 ( a ), I have the right to request full validation of this alleged debt, including original signed agreements and complete payment history. No such documentation has been provided, and continuing to report this debt without proper validation is a direct violation of the law. The reporting is misleading and does not meet the standard of maximum accuracy required by FCRA 1681e ( b ). 
XXXX XXXXXXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is reported as charged off, but the balance, dates, and reporting history are inconsistent across bureaus, which demonstrates negligence in verifying accuracy. Under FCRA 1681i ( a ), the credit reporting agency must conduct a reasonable reinvestigation when notified of a dispute. I have never received verification or proof that this debt is valid, and therefore this reporting constitutes willful noncompliance under FCRA 1681n. 
XXXX XXXX XXXX XXXX High Balance : {$930.00} | Date Opened : XX/XX/XXXX | Status : Collection This debt is listed as a collection, yet XXXX XXXX XXXX is a third-party debt buyer. Under FDCPA 807 ( 8 ) it is a violation to communicate or report credit information which is known to be false. They have not provided a validation notice as required under FDCPA 809 ( a ), nor proof that they have the legal right to collect or report this debt. Reporting unverifiable, inaccurate, and incomplete information is a violation of my rights, and continued reporting represents harassment and willful misconduct.

Harm and Relief Sought The continued reporting of these unlawful and inaccurate accounts has caused me credit denials, higher interest rates, and reputational harm. I am requesting that the CFPB investigate these accounts, hold the furnishers and reporting agencies accountable, and ensure the deletion of all accounts that can not be fully validated under federal law. 
Certification I certify that the information provided is true and correct to the best of my knowledge.

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