Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverified, and unauthorized items being reported on my credit report by the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the furnishers listed below. These errors are severely damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
After thoroughly reviewing my credit reports, I found several charge-offs and hard inquiries that are completely false, unverifiable, and unauthorized. I have made multiple attempts to have them investigated and removed by the credit bureaus, but they continue to remain on my reports without any proper validation or proof. 
XXXX XXXX Account No : XXXXXXXX XXXX  Date Opened : XX/XX/year> High Balance : {$4400.00} Reported Status : Charge-Off This account is being falsely reported as a charge-off. I have no knowledge of this account being charged off, and I have never been notified by XXXX XXXX about any charge-off action. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Furthermore, I have not received any written notice under 15 U.S.C. 1692g, which means this debt can not be verified. Therefore, I am demanding that this entry be deleted from my credit report immediately as it is unverifiable, inaccurate, and damaging. 
XXXX XXXX Account No XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$6200.00} Reported Status : Charge-Off This entry is inaccurate and unverifiable. I have no recollection of ever defaulting or being notified of a charge-off from XXXX XXXX. There is no evidence that proper validation or communication was sent to me regarding this alleged debt. Under FCRA 611 ( a ), the credit bureaus are required to reinvestigate and remove unverifiable data. I am requesting that this charge-off be deleted immediately from all credit reports as it violates FCRA 607 ( b ) by not maintaining maximum possible accuracy.

These inaccurate accounts and inquiries have caused me significant harm, including reduced credit scores, denial of credit opportunities, and emotional distress. I have submitted disputes to all three credit bureaus, but they have failed to conduct a proper reinvestigation or provide documented verification as required under FCRA 611 ( a ). 
I am requesting the CFPB to : XXXX. Conduct a full investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor unverified and unauthorized reporting. 
XXXX. XXXX the credit bureaus ( XXXX, Experian, and XXXX  ) to remove these inaccurate charge-offs and hard inquiries immediately. 
XXXX. Ensure that these furnishers comply with their legal obligations under FCRA XXXX and cease reporting unverifiable or false information. 
I am attaching copies of my credit report highlighting the disputed accounts and inquiries for your review. Please take immediate action to ensure my consumer rights are protected under federal law.

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