Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint because my credit reports contain multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and wrong addresses. These errors are severely harming my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my rights under federal law, the credit bureaus and furnishers have failed to ensure maximum possible accuracy of the information they report about me. 
My report also includes several charge offs that are inaccurate and harmful. XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a reported balance of {$160.00}, is not correctly reported. The issue is that this account was not delinquent to the level suggested, and its listing as a charge off violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ), which require accurate and verifiable reporting. This error portrays me as financially negligent when I was not. Similarly, the XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$700.00}, is reported as a charge off. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report false information. I experienced temporary hardship at the time, but I never abandoned the account. Another XXXX XXXX account with the same number, opened on XX/XX/XXXX, shows a balance of {$760.00} and is also reported as a charge off. This is duplicative and misleading, in violation of FCRA 607 ( b ), which requires maximum possible accuracy. Additionally, the XXXX XXXX account opened on XX/XX/XXXX, is listed as a charge off with a XXXX balance. This contradiction violates FCRA 623 ( a ) ( 2 ), because an account can not be both resolved and charged off at the same time. 
My XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$180.00}, is also inaccurately reported as a charge off. Under FCRA 623 ( b ), creditors must verify their reporting, and no proof has been provided that this account was truly charged off. Another XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$470.00}, is reported as a charge off. This is inaccurate, and under FCRA 611 I have the right to demand that Experian delete unverifiable information. The XXXX XXXX XXXX  account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$3900.00}, is also marked as a charge off. This reporting is misleading and must be reinvestigated under FCRA requirements. 
Late payments are also falsely tied to my report. XXXX XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, shows a XXXX balance but is marked with late payments. This is contradictory and violates FCRA 607 ( b ). A XXXX balance means no payments are due, so it is impossible for late payments to exist. The XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$22000.00}, also reflects late payments that are not accurate. I had arrangements with this creditor, and this reporting does not reflect that. The Self/Lead account, opened on XX/XX/XXXX with a balance of {$0.00}, is also reported with late payments, which is false. Likewise, the XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$490.00}, has late payments inaccurately reported. Each of these errors paints me in a negative light that is not consistent with my true payment history. 
Collections listed on my file are equally damaging and inaccurate. The Possible Finance account ending in XXXX, opened on XX/XX/XXXX with a balance of {$77.00}, is reported as a charge off, which is unreasonable and unlawful for such a small balance. The XXXX account, opened on XX/XX/XXXX and reported on XX/XX/XXXX, is also inaccurately reported as a charge off. The XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$350.00}, is not mine. The XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$580.00}, is similarly not mine and should never have been reported. The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$1500.00}, can not be verified and should be deleted. The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$670.00}, was already resolved but continues to be reported. The XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$1200.00}, is also not mine. The XXXX XXXX account opened on XX/XX/XXXX with a balance of {$4300.00} is inaccurate. Finally, the XXXX XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$5500.00}, is completely false and not tied to me in any way. Under FCRA 609 and 611, all unverifiable or inaccurate collection accounts must be deleted. 
Lastly, my report includes unauthorized inquiries that I never approved. Inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, were not authorized by me. Under FCRA 604, a credit bureau may only list inquiries that have a permissible purpose. Since these were not authorized, they must be deleted immediately.

Closing Statement The presence of wrong addresses, unverifiable accounts, and unauthorized inquiries is clear evidence of violations of my rights under federal law. These errors have caused me significant financial and personal harm by lowering my credit score, limiting my access to fair credit opportunities, and exposing me to risks of identity theft.

I request the CFPBs assistance to enforce the law and ensure that the credit bureaus and furnishers immediately correct or delete all inaccurate, unverifiable, and unauthorized information listed in this complaint.

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