Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
To Whom It May Concern I am filing a formal complaint regarding multiple inaccurate and misleading entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. The following accounts are being reported incorrectly and causing substantial financial and emotional harm : XXXX XXXX XXXXXXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Chargeoff This account has been reported as a charge-off inaccurately. I was never properly notified of the alleged default, and the reporting has caused substantial damage to my creditworthiness, affecting my ability to obtain loans, housing, and employment opportunities. Reporting a charge-off without proper validation and verification violates FCRA 1681i and 1681s-2 ( b ) obligations to ensure accuracy. 
XXXX XXXX High Balance : {$66.00} Date Opened : XX/XX/XXXX Late Payment This account reports late payments that are inaccurate. The alleged late payment does not reflect my payment history, and I have evidence of timely payments. The continuous reporting of late payments has resulted in emotional distress and financial harm, including higher interest rates and denial of credit. This constitutes a violation of FCRA 1681e ( b ) and 1681i. 
XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX Chargeoff The charge-off reported on this account is inaccurate and has no basis. I was in compliance with the account terms, and XXXX failed to provide proper verification prior to reporting a charge-off. Reporting this account as a charge-off without proper validation is a clear violation of the FCRA and has caused irreparable harm to my financial reputation. 
XXXX XXXX XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that are misleading and factually incorrect. The inaccurate reporting has affected my ability to obtain credit in a timely manner, causing undue financial stress and impacting my personal and professional life. Such reporting violates FCRA 1681i and requires immediate correction. 
XXXX XXXX XXXX XXXX : {$19000.00} Date Opened : XX/XX/XXXX XXXX This account is reported as a charge-off, despite my attempt to maintain the account in good standing. The reporting of this charge-off without verification has led to substantial harm, including credit denials and emotional distress. This is a violation of FCRA 1681e ( b ) and 1681i. 
XXXX XXXX XXXXXXXX XXXX : {$400.00} Date Opened : XX/XX/XXXX XXXX This account duplicates the previous entry, further compounding the inaccuracy. Duplicate reporting of the same alleged debt is misleading, violates FCRA 1681e ( b ), and artificially depresses my credit score. The stress and financial obstacles caused by this duplication are substantial, impacting my ability to secure housing, loans, and employment. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX has reported this account as a collection without proper verification. I dispute this accounts validity and request full validation. The erroneous reporting has negatively affected my financial opportunities and caused emotional distress. Continued reporting of unverifiable debt constitutes a violation of FCRA 1681i ( a ) and 1681s-2 ( b ). 
The repeated errors across these accounts have directly affected my financial stability, resulting in denial of loans, higher interest rates, and emotional distress. I am requesting that each account be reinvestigated, corrected or removed if found inaccurate, and that I receive written confirmation of all corrections. 
Additionally, I request that all recipients of my credit report in the past XXXX months be notified of these inaccuracies, as required under FCRA 1681i ( a ) ( 5 ). Failure to comply will leave me no choice but to pursue legal action under federal and state consumer protection laws.

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