Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau because several credit furnishers and credit reporting agencies have failed to maintain accurate and verifiable information on my credit file. Despite my multiple written disputes, the accounts listed below continue to be reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my creditworthiness, denied me fair access to credit, and created emotional and financial stress. The bureaus and furnishers have neglected their statutory duty to conduct proper reinvestigations, verify disputed data, and correct or delete unverifiable information. I am requesting that the CFPB take immediate action to investigate these violations and enforce compliance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address This address has been incorrectly or inconsistently reported on my credit file. I have verified my current and accurate mailing address multiple times, and yet prior investigations failed to remove outdated, incorrect, or unrecognized addresses. The Fair Credit Reporting Act 607 ( b ) requires credit bureaus to maintain information with maximum possible accuracy, which clearly has not been followed. Reporting incorrect addresses creates confusion, suggests possible mixed files, and exposes my personal information to inaccuracy. Under 611 ( a ) ( 1 ), I have the right to request reinvestigation of any disputed item, and under 611 ( a ) ( 5 ) ( A ), unverifiable information must be permanently deleted. The continued appearance of incorrect address data also constitutes negligence under 617 and potentially willful noncompliance under 616. The bureau has failed to verify the source of this address or provide documentation showing I authorized its reporting. I am again demanding the complete deletion of any inaccurate or unauthorized address associated with my profile, except my current one listed above. Failure to do so within the legally required time frame will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) for formal review and enforcement action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9500.00} Charge Off * * This account continues to appear as a charge-off even after several verified dispute submissions, none of which produced the original contract, payment history, or written validation from the original creditor. The bureaus reliance on automated verification rather than direct source validation violates FCRA 611 ( a ) ( 2 ) ( B ). Reporting unverifiable information also breaches 607 ( b ), which mandates maximum possible accuracy. The failure to produce supporting documentation violates 609 ( a ) ( 1 ), depriving me of my legal right to review the data being reported. Each reinvestigation conducted so far has failed to include any tangible proof of liability, meaning the account is unverifiable and must be deleted under 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable information creates financial harm, restricts credit opportunities, and results in emotional distress, for which the FCRA allows recovery under 616 and 617. Furthermore, the account violates 623 ( a ) ( 1 ) ( A ), as data furnishers are prohibited from reporting false or incomplete information. It is evident that no lawful investigation has been completed in accordance with 611 ( a ) ( 1 ). The reporting of a charge-off without proper substantiation also misleads creditors, violating FDCPA 807 ( 8 ). Until you can provide written proof that this debt belongs to me, including signed documentation and the original account statements, you are required to delete it immediately. Continued reporting without verification constitutes willful disregard of consumer rights and opens liability for damages under the FCRA. Every reinvestigation must be factual, not procedural, and I demand full compliance with all applicable sections of federal law immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$360.00} Charge Off * * This alleged charge-off remains on my credit report despite multiple requests for proper validation and documentation. The absence of contractual evidence, original creditor details, or proof of debt ownership violates my rights under 609 ( a ) ( 1 ). The bureaus repeated verification without proper documentation breaches 611 ( a ) ( 1 ) ( A ), as no new information has ever been provided to prove the accuracy of this account. The Fair Credit Reporting Act 607 ( b ) requires the highest possible accuracy, and maintaining this unverifiable account constitutes a failure to uphold that standard. Additionally, the data furnisher is in violation of 623 ( a ) ( 1 ) ( A ), as it continues to supply false and unverified data. This conduct demonstrates negligence under 617 and possibly willful intent under 616, given the multiple prior notices provided. Under FDCPA 807 ( 2 ) ( A ), this reporting misrepresents the legal status of the debt, creating a false impression of delinquency. Every previous dispute has been met with generic form responses that do not satisfy the documentation requirements under federal law. The reporting agency and the furnisher both share joint liability for failing to ensure the accuracy of information reported. I demand a full investigation, including a copy of all documentation provided by the furnisher, per 609 ( a ) ( 1 ) ( A ). If such verification can not be supplied within the legal timeframe, this account must be deleted in accordance with 611 ( a ) ( 5 ) ( A ). Continuous reporting of inaccurate information has caused measurable harm, including denial of credit, inflated interest rates, and reputational damage. Therefore, I expect a full deletion and written acknowledgment of compliance as required by the FCRA. Failure to do so will result in immediate CFPB escalation and legal remedies as permitted under 616 and 617. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Collection * * This alleged collection account has no legal foundation and remains reported without proof of ownership, verification, or original documentation. I have not received any validation under 609 ( a ) ( 1 ) nor confirmation of assignment or transfer of debt from the original creditor, which is a direct violation of 611 ( a ) ( 1 ) of the FCRA. The furnisher of this information has failed to verify its accuracy under 623 ( a ) ( 1 ) ( A ), and the bureau has neglected its duty to ensure maximum possible accuracy under 607 ( b ). Every prior dispute resulted in the same unverifiable and incomplete response, which fails to satisfy the lawful reinvestigation requirement under 611 ( a ) ( 2 ). Continued reporting of this item without proof of ownership misrepresents the legal status of the debt, violating FDCPA 807 ( 2 ) ( A ) and 807 ( 8 ). This reporting not only damages my credit reputation but also constitutes reckless disregard of my consumer rights under federal law. The Fair Credit Reporting Act allows consumers to demand deletion of unverifiable accounts, and under 611 ( a ) ( 5 ) ( A ), any item that can not be verified must be removed immediately. The absence of supporting documentation such as original contract, billing statements, or proof of transfer of ownership confirms that this account does not meet federal verification standards. Reporting a balance without proof violates 623 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing data they know or should know is inaccurate. I am once again demanding a lawful reinvestigation, full validation, and immediate deletion if verification can not be completed. The consistent reporting of false and unverified data over multiple disputes constitutes noncompliance under 616 and 617, subjecting the bureau and furnisher to statutory penalties. I require a written response detailing the investigation results and method of verification, as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

I am requesting the Consumer Financial Protection Bureau to take immediate action against these violations of federal law. Each of the accounts listed above has been reported without proper investigation, validation, or documentation as required under the FCRA. These actions have caused significant financial damage and emotional distress. I am asking the CFPB to ensure that the credit bureaus and furnishers involved provide tangible evidence such as signed contracts, account statements, or payment records that lawfully verify these accounts. If they can not produce such evidence, I respectfully request permanent deletion of these accounts from my credit file. I trust the CFPB will enforce accountability, uphold the principles of fair reporting, and restore the integrity of my consumer credit record.

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