Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and misleading accounts that are causing serious harm to my creditworthiness, financial standing, and overall livelihood. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers and credit reporting agencies are required to ensure maximum possible accuracy of information, and they are prohibited from reporting accounts that can not be verified or that contain errors. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, debt collectors are not allowed to report or attempt to collect debts without proper validation. Despite my previous disputes, these accounts continue to appear on my credit report, which is a violation of my consumer rights and federal protections. I demand that CFPB investigate these accounts, compel the credit bureaus and furnishers to conduct proper reinvestigations, and remove any unverifiable or inaccurate items from my file. Each account is listed below with details and legal concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$180.00} Status : Charge Off This account was never properly validated, and the balance is in dispute. XXXX  XXXX is required under FCRA 15 U.S.C. 1681s-2 ( b ) to report accurate information and correct errors after dispute. Continuing to report without validation is a direct violation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$35.00} Status : Charge Off Reporting such a small balance as a charge-off is misleading, especially when no notice of delinquency or validation was provided. Under FDCPA 15 U.S.C. 1692g, I have a right to debt validation, and under FCRA 15 U.S.C. 1681e ( b ) the accuracy requirement is being violated. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$1000.00} Status : Charge Off This account is reporting inaccurately with charge-off status despite disputes filed. Under FCRA 15 U.S.C. 1681i, reinvestigation is required when a consumer disputes accuracy, yet no proper verification has been provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$510.00} Status : Charge Off This is a duplicate reporting of the same creditor which misrepresents the true credit picture. Duplicate derogatory entries are violations of FCRA 15 U.S.C. 1681c and must be removed immediately. 
XXXX  XXXX XXXX * * Date XXXX Balance Owed : {$130.00} Status : Charge Off No proper documentation has been provided, and this balance is disputed. FCRA 15 U.S.C. 1681s-2 prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX  XXXX XXXXXXXX XXXX XXXX Date XXXX Balance Owed : {$120.00} Status : Charge Off This is another inaccurate charge-off without validation. FDCPA 15 U.S.C. 1692e prohibits false or misleading representations of debt. 
XXXX  XXXX XXXX * * Date XXXX Balance Owed : {$27.00} Status : Charge Off Reporting such a low balance as a charge-off is not only disproportionate but misleading. FCRA 15 U.S.C. 1681e ( b ) requires maximum possible accuracy which is not being met here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} Status : Late Payment Reporting late payments with a balance of XXXX is misleading because it suggests delinquency where no actual financial obligation exists. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX * * Date OpenedXXXX Balance Owed : {$6000.00} Status : Charge Off This account is reported as a charge-off but I have disputed the accuracy and no validation was ever provided. Continued reporting violates FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g. 
XXXX XXXX * * Date XXXX Balance Owed : {$0.00} Status : Late Payment Reporting late payments on an account with XXXX balance is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit furnishers must maintain accuracy at all times. 
XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$21.00} Status : Charge Off No notice of delinquency or validation was ever provided, violating FDCPA 15 U.S.C. 1692g. FCRA 15 U.S.C. 1681s-2 requires accuracy and prohibits reporting unverifiable debts. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$13.00} Status : Charge Off This reporting is inaccurate and misleading. Such small balances should not appear as charge-offs without proof of accuracy. This is a violation of FCRA 15 U.S.C. 1681e ( b ). 
XXXX  XXXX Bankruptcy XXXX Court : XXXX XXXXXXXX XXXX IL XXXX Status : Bankruptcy This bankruptcy is reported in a manner that is misleading and inaccurate. I have reasons to believe this public record is not properly verified with the courts. Under FCRA 15 U.S.C. 1681c, bankruptcies must be reported accurately and verified directly with the court system. 
These accounts are damaging my credit, violating federal consumer protection laws, and remain unverified despite disputes. I request that the CFPB investigate these matters immediately, enforce the FCRA and FDCPA, and ensure that the inaccurate and unverifiable items are deleted from my credit report so that I may restore my financial health and fair access to credit.

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