Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. due to the false, incomplete, and misleading reporting of a charge-off account on my credit report. The current reporting reflects multiple serious errors that are damaging to my credit profile and may represent a violation of federal law.

Details of the Inaccuracy : ( SEE EXHIBIT A1. ) The charge-off account in question contains inaccurate and inconsistent information across the credit bureaus, as well as missing key data that raises major concerns : The Date of Last Activity ( DLA ) is being reported differently on TransUnion than on Experian, which creates confusion and may result in inaccurate aging of the account. 
The account lists the Term Count as XXXX, the Monthly Payment as {$0.00}, and the Months Reviewed as XXXX, which is grossly inaccurate and does not reflect any real account structure. This is misleading, incomplete, and appears to be a violation of the FCRA 's accuracy requirement. 
Most importantly and this must be stressed there is NO PAYMENT HISTORY reported whatsoever for this charge-off account. 
This is a major issue. The account is reporting as a charge-off with derogatory status, yet provides no payment history to justify or explain that status. This creates a one-sided and unjust portrayal of my credit behavior, which is fundamentally unfair, misleading, and harmful. 

Incomplete reporting such as this can mislead creditors and lenders into making false assumptions about my payment reliability and financial history. Furnishing negative information without a factual basis or supporting detail violates the FCRAs requirement for fair and accurate credit reporting. 

I also formally dispute the furnishers legal standing to report or collect on this account. I am requesting verification of : Proof that the furnisher has the legal right to report this account to credit bureaus. 
Proof that they are licensed to collect debts in my state ( if applicable ). 
A full chain of assignment from the original creditor, if the debt was sold or transferred. 
Requested Verification : Under the FCRA, I request that the following documentation be provided : Original creditor 's name and full account number Complete account opening and payment history Itemized breakdown of all balances and charges ( principal, interest, fees, etc. ) Date and reason for charge-off Documentation supporting the reported Date of Last Activity Signed agreement or contract proving the alleged obligation Proof of assignment or transfer ( if applicable ) Legal basis for the creditor to report and collect this debt Requested Resolution : Given the extensive inconsistencies, false data, and complete absence of payment history, I respectfully request that : The charge-off account be immediately investigated in compliance with FCRA 1681i. 
If proper verification can not be provided, the account be permanently removed from all credit reports. 
The CFPB ensure that furnishers and CRAs take proper corrective action for inaccurate or unverifiable data. 
I receive written confirmation of the results of the investigation and any changes made.

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