Consumer complaint received 2025-03-20 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 writing to formally file a complaint regarding incorrect information on my credit report, which I have been unable to resolve through the three major credit bureausEquifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies with the credit bureaus, they have failed to make necessary corrections or provide sufficient evidence of the accuracy of the information reported. Below are the details of the issues I am facing : XXXX. Charge-Off Information : XXXX XXXX Account # XXXX This account is listed as a charge-off, and I dispute its accuracy. I have requested that the credit bureaus investigate this entry under 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate charge-off data. Furthermore, 15 U.S. Code 1681i requires credit bureaus to investigate disputed information, but no satisfactory resolution has been provided. Additionally, the charge-off information remains on my report despite my objections and lack of proper documentation to substantiate it. 
XXXX. Unauthorized Inquiries : XXXX XXXX, Dated XX/XX/XXXXXXXX XXXX, Dated XX/XX/XXXX XXXX  XXXX  XXXX, Dated XX/XX/XXXX These inquiries were made without my written consent, which is a direct violation of 15 U.S. Code 1681b. According to this law, credit inquiries can only be made with the consumer 's explicit written authorization. Despite this, the inquiries remain on my credit report, and the credit bureaus have not removed them, even after my dispute. 
XXXX. Unmailable Addresses : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX These addresses are incorrect and are not valid or mailable. I have informed the credit bureaus of this, but they have not made the necessary corrections. The correct, mailable address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX, and I have requested that they update my file accordingly. 

XXXX. Opting Out of Credit Reporting : Under 15 U.S. Code 1681b, I exercised my right to opt out of all credit reporting services, yet the credit bureaus have continued reporting my information without my written consent. Additionally, I have not been provided any notice of my opt-out rights under 15 U.S. Code 6802, as required by law. This is a clear violation of my rights under the law. 

XXXX. Privacy Act of 1974 : I would also like to bring attention to the Privacy Act of 1974 ( 5 U.S. Code 552a ), which restricts the disclosure of any personal record without my prior written consent. Despite this, the credit bureaus have disclosed and reported incorrect information that violates my privacy rights, without my authorization.

Despite my attempts to resolve these issues directly with the credit bureaus, they have not complied with my requests in a timely manner or provided evidence to substantiate the accuracy of the disputed information. As a result, I am seeking your intervention to ensure that my rights are protected under the law and that these inaccuracies are corrected.

Legal Citations Relevant to My Complaint : 15 U.S. Code 1681s-2 Prohibits reporting inaccurate charge-off data. 
15 U.S. Code 1681i Mandates investigation and correction of disputes related to charge-offs.

15 U.S. Code 1681b Requires written consent for credit inquiries.

15 U.S. Code 1681e ( b ) Credit reporting agencies must ensure accuracy in the information they report.

15 U.S. Code 1681s-2 ( A ) Prohibits reporting unverifiable collection accounts.

15 U.S. Code 1666b Payments must be applied promptly.

12 CFR 1006.34 ( c ) Debt collectors must validate debts in writing.

12 CFR 1006.6 ( c ) Prohibits continued communication without debt validation.

15 U.S. Code 6802 Financial institutions must allow consumers to opt-out from credit reporting.

12 CFR 1016.7 Requires a reasonable means for opting out from credit reporting services.

Privacy Act of 1974, 5 U.S. Code 552a ( b ) Prohibits unauthorized disclosure of personal information.

Requested Resolution : I respectfully ask that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit bureaus comply with the law. Specifically, I am requesting that the inaccurate charge-off, unauthorized inquiries, unmailable addresses, and continued reporting of my information without consent be removed from my credit report.

I appreciate your assistance in resolving this matter and look forward to your response.

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