Consumer complaint received 2025-10-13 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated. I am a law-abiding consumer residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX and I have discovered several inaccuracies and unauthorized items being reported on my credit profile. These false reports have damaged my credit reputation and caused unnecessary emotional and financial XXXX. I request a full investigation and deletion of all unverifiable or inaccurate items listed below. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, LA XXXX This address is inaccurate and must be removed as it was never associated with my verified identity. Reporting unverifiable personal information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The presence of this address creates confusion and the appearance of identity mix-ups, thus it must be permanently deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX This address is also incorrect and linked to accounts and activities not belonging to me. Continuing to report this information is reckless and in direct violation of FCRA 602 ( A ) and 607 ( b ). I request an immediate reinvestigation and permanent deletion of this address from my report.

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$1000.00} * * This account shows a charge-off that is inaccurate and unverifiable. Under FCRA 611 ( a ), you must verify accuracy through the original creditor with complete records. The account reporting fails to meet the standard of verification, and continued reporting is misleading and unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$570.00} XXXX XXXX The alleged charge-off is not supported by any documentation proving my liability. FCRA 609 ( a ) ( 1 ) provides my right to the original documentation that verifies the account, and failure to supply it indicates the data is unverifiable and must be deleted immediately. 

XXXX XXXX XXXX  Late Payment Opened XX/XX/XXXX XXXX {$0.00XXXX XXXX XXXX This account inaccurately reports late payments despite showing a {$0.00} balance, which is contradictory. Reporting such data violates FCRA 607 ( b ) and 611 ( a ) due to inconsistency and lack of factual basis. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX The charge-off status is incorrect and not substantiated by proper validation. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. Continued reporting after my initial dispute shows noncompliance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX The report of late payment on a paid or closed account is an error. FCRA 602 ( A ) and 607 ( b ) prohibit reporting information that can not be proven accurate. This entry must be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$610.00} XXXX XXXX  This charge-off is unverifiable, and no proof of debt validation was ever provided. Reporting unverifiable data violates FCRA 611 ( a ) and 609 ( a ) ( 1 ). Immediate deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$940.00} XXXX XXXX The charge-off status was reported without any evidence of delinquency from the original creditor. Under 611 ( a ) ( 1 ), this requires reinvestigation, and failure to provide proper verification warrants deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX This duplicated entry of the same account creates double reporting, which violates 607 ( b ) and 611 ( a ) ( 5 ) ( A ). This is inaccurate and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Reporting a charge-off with a XXXX balance is factually impossible and constitutes false reporting. Under 602 ( A ) and 607 ( b ), this must be corrected or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$400.00XXXX XXXX XXXX Late payment information is inaccurate, as no supporting data or billing proof has been provided. Under FCRA 611 ( a ) ( 1 ), unverifiable negative data must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  This late payment report is erroneous since no balance remains. FCRA 607 ( b ) mandates accuracy ; this data must be corrected or deleted. 

XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$37.00} XXXX XXXX  This small charge-off entry is not validated by XXXX XXXX XXXX The absence of original signed documents violates 609 ( a ) ( 1 ), requiring immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX This charge-off report lacks complete verification of debt and transaction details. Continued reporting without validation is a direct breach of 611 ( a ). 

XXXX XXXX XXXXXXXX Charge Off Opened XX/XX/XXXX Balance {$45.00} XXXX XXXX Unverified reporting of a minor charge-off violates 602 ( A ) for accuracy and 611 ( a ) ( 1 ) for failure to substantiate the claim. Deletion is required. 

XXXX XXXX  Late Payment Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Reporting late payments on an account with a XXXX balance is inaccurate and misleading. This violates 607 ( b ). 

XXXX XXXX XXXXXXXX Charge Off Opened XX/XX/XXXX Balance {$83.00XXXX XXXX XXXX This entry is unverifiable, and no contractual proof was provided by XXXX XXXX As per 611 ( a ), unverifiable information must be removed.

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Duplicate and outdated reporting violates FCRA 605 ( a ), which restricts reporting of old or obsolete data. This item must be deleted immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$350.00} XXXX XXXX XXXX XXXX XXXX is known for reporting unverifiable purchased debt without proper validation. Under 611 ( a ) ( 1 ) and 809 ( b ) of the FDCPA, this must be deleted if not substantiated. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX  This is a duplicated and unverifiable debt. FCRA 607 ( b ) and FDCPA 809 ( b ) prohibit such misleading reporting. 

XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX  This collection is unverifiable and reported without consumer consent. Failure to validate the debt violates 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Duplicate reporting from the same creditor in collection form is misleading and violates 607 ( b ) and 611 ( a ). 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), credit bureaus must ensure inquiries are made with permissible purpose. These entries violate my rights and must be removed immediately.

Under FCRA 611 ( a ) ( 5 ) ( A ), any unverifiable, incomplete, or inaccurate information must be deleted within 30 days. I request full reinvestigation and written results sent to me within that period. If these errors remain, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek remedies for willful noncompliance.

I am exercising my rights under federal law and demand immediate action. Failure to comply may result in legal escalation for damages under FCRA 616 and 617.

The continued reporting of false addresses, unverifiable accounts, and unauthorized inquiries constitutes a serious breach of federal consumer protection laws. These errors have negatively impacted my credit score, financial reputation, and peace of mind. I am requesting that the CFPB conduct a full investigation into these violations and take necessary action to ensure compliance with the FCRA and FDCPA.

I respectfully demand that the involved credit bureaus and furnishers provide written documentation verifying the accuracy of the above items. If they can not provide verifiable proof within the lawful timeframe, these items must be deleted immediately from my credit file.

The failure to maintain accurate and verifiable information under federal law undermines the integrity of the credit reporting system. I trust the CFPB will enforce these regulations and protect my consumer rights under the 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