Consumer complaint received 2025-08-25 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:
To Whom It May Concern, I am submitting this formal complaint because my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Credit reporting agencies and furnishers of information are legally obligated to ensure maximum possible accuracy and to avoid reporting unverifiable or misleading information. Unfortunately, multiple accounts are being reported inaccurately on my credit report, causing me severe financial harm, repeated denials of credit, higher interest rates, loss of opportunities, and ongoing emotional distress. 
XXXX XXXX Account # XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Status : Chargeoff This account is being reported as a charge-off but the creditor has failed to provide any notice of default, accounting records, or proof that the balance was charged off in accordance with federal guidelines. Reporting such a derogatory mark without proof is a direct violation of FCRA 609 and 611 which grant me the right to request validation. The inaccurate charge-off is damaging my credit profile, causing me to be denied approval for loans and subjected to predatory interest rates. The reporting of this account has created unnecessary stress in my personal life as I have had to explain to potential lenders and landlords that the report is inaccurate. 
XXXX XXXX Account # XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX Status : Chargeoff This second account is also marked as a charge-off and it appears as a duplicate derogatory account with the same creditor. Double reporting of charge-offs from the same lender creates an inflated negative impact on my credit score which is misleading and unlawful under FCRA 623 . This account has been reported without proof of ownership, payment history, or validation. The continued reporting of duplicate derogatories has caused further denials of credit applications, forcing me into financial hardship and creating unnecessary distress and embarrassment. 
XXXX XXXX Account # XXXX High Balance : {$26000.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is showing late payments which are inaccurate because I have made timely payments that were not properly credited. Under FCRA 607 creditors must ensure maximum possible accuracy, but XXXX XXXX has failed to properly validate these late marks. Because of these false late payments, I was denied approval for a mortgage refinance and faced higher interest rates on a vehicle loan. These errors have placed me in financial distress and damaged my reputation as a responsible borrower. 
XXXX Account # XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is reported with late payments without any substantiation. I have not received any documentation proving delinquency and yet the negative marks remain. Reporting unverifiable late payments violates FCRA 611 which gives me the right to dispute and have inaccurate information removed. These late marks are misleading lenders into believing I am financially irresponsible, when in reality these reports are false and harmful. 
XXXX Account # XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Chargeoff This account is listed as a charge-off but no original contract, account statements, or notice of charge-off has been provided. Reporting a charge-off without proof is a violation of FCRA 623. This false reporting has lowered my credit score significantly and has made it nearly impossible to secure fair financing, pushing me towards alternative lenders that charge predatory rates. This has caused not only financial harm but emotional distress and unnecessary hardship for myself and my family. 
XXXXXXXX XXXX Account # XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is showing multiple late payments that I dispute as inaccurate. No validation or proof of delinquency has been provided. Under FCRA 609 I have the right to full disclosure of information being reported, yet the creditor continues to report without proof. Because of these inaccurate late payments, I have been denied credit cards and personal loans that could have helped me consolidate debt, which has worsened my financial situation and caused ongoing emotional stress. 
XXXX Account # XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Status : Late Payment This is anotheXXXX XXXX account with late payments being reported. The duplication of accounts from the same institution creates confusion and an exaggerated negative impact on my credit file, which is deceptive and unlawful under FCRA 605. These errors misrepresent my true creditworthiness and have resulted in my credit applications being flagged as high risk, leading to denials and higher costs of credit. This situation has created financial strain and severely damaged my ability to rebuild my financial life. 
XXXX Account # XXXX High Balance : {$5600.00} Date Opened : XX/XX/XXXX Status : Collection This collection account has been reported without any debt validation notice as required under FDCPA 809. I have never received proof of ownership of this debt, nor any contract, billing statement, or assignment history. Reporting a collection account without validation is illegal and causes irreparable harm to consumers. Because of this inaccurate collection, I have been denied rental housing, credit cards, and job opportunities where creditworthiness is reviewed. 
XXXX XXXX XXXX Account # XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Status : Collection This collection is also being reported without any supporting documentation. Under FCRA 611, disputed information must be investigated and corrected, yet the creditor has continued to furnish unverified information. The inaccurate reporting has resulted in significant financial harm, including denials of credit and increased cost of borrowing. This has created hardship and unnecessary anxiety, as I am being punished for accounts that can not be validated. 
In conclusion, all of the above accounts are inaccurate, unverifiable, and reported in violation of my rights under the FCRA and FDCPA. These errors have caused me direct financial harm, emotional distress, and have damaged my ability to access credit and rebuild my financial life. I request that the Consumer Financial Protection Bureau investigate these violations, enforce compliance with the law, and require the immediate deletion of these inaccurate accounts from my credit report.

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