Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I am filing this complaint as part of an ongoing dispute regarding two accounts on my credit report that are being reported inaccurately, unlawfully, and with severe consequences to my financial well-being. I previously contacted the credit bureaus to dispute these items and received no adequate resolution. This is now my formal complaint to the CFPB requesting enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX Issue : This account is being inaccurately reported as a charge-off, which is severely damaging my credit profile. I have not received a proper notice of charge-off or final accounting from XXXX XXXX as required under 15 U.S.C. 1692g. Furthermore, I never received any validation of the debt, nor was I provided an opportunity to dispute the validity before it was reported. 
Legal Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or incomplete information.

FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate the debt upon request.

FCRA 602 ( A ) It is Congress finding that inaccurate credit reporting directly undermines the banking system and consumer trust. 
Story : This account was originally opened during a financially difficult time when I was managing severe family obligations and medical expenses. Despite hardship, I made payments for as long as I could. When I requested hardship assistance or settlement options, I was met with silence. Without notice, the account was closed and marked as a charge-off. This abrupt action severely impacted my credit score, which has led to denials for employment and housing. I am requesting the immediate deletion of this account or an updated and accurate status reflecting paid/settled status with no charge-off. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Status : Late Payments * * Issue : This auto loan is being reported with multiple late payments, which I contest. I was enrolled in a temporary hardship plan that should have paused or modified payment terms. The lender assured me no negative marks would be reported during this period, but late payments were added anyway, in violation of our agreement. 
Legal Violations : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Information that is known to be inaccurate should not be furnished.

FCRA 1681i Failure to reinvestigate the disputed items adequately and in good faith. 
Breach of contract under common law if modified agreement terms were ignored and inaccurately reported. 
Story : During the period in question, I suffered a job loss and a medical emergency within my household. I contacted XXXX and was placed on a hardship program with modified payments. I relied on that agreement. I was shocked to later find that multiple months were reported as " late '' despite having paid under the modified plan. These late marks are not only unjust but also misleading, and they directly violate the agreement I had with the creditor. This is not only emotionally and financially devastating, but it is also hindering my recovery and ability to rebuild my life. I request full deletion or correction of all late notations related to this account. 
Requested Resolution from CFPB : A full and detailed reinvestigation of both accounts.

Immediate deletion or correction of all inaccurate, outdated, unverifiable, or illegally reported information. 
Confirmation that the data furnishers ( XXXX and XXXX ) provided complete and verifiable documentation, not just automated responses. 
Penalties and oversight action against the companies for FCRA and FDCPA violations, if applicable. 
I respectfully request that the CFPB enforce my rights as a consumer and hold the responsible parties accountable.

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