Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report, specifically relating to collections reported by XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). These accounts are being reported incorrectly, causing significant damage to my creditworthiness, financial opportunities, and personal well-being. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., furnishers and credit reporting agencies are legally obligated to ensure that all reported information is accurate, complete, and verifiable. I am formally requesting immediate investigation, correction, and removal of these inaccurate entries. 
XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off -- - This account was reported as charged-off even though the balance is {$0.00} and I have never received any legitimate notice indicating a default. I have repeatedly contacted the creditor, providing documentation that shows no outstanding debt exists, yet the charge-off remains on my credit file. This is misleading and a violation of FCRA 1681s-2 ( b ), which requires furnishers to report only accurate information. Reporting a {$0.00} balance as a charge-off creates false negative information, damages my credit, and affects my ability to secure loans or housing. The reporting is deceptive, and I request the immediate removal of this incorrect charge-off. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Charge Off -- - This account shows a charge-off that I dispute. I have consistently attempted to resolve this matter directly with the lender, including phone calls, emails, and written correspondence, all of which document my attempt to bring the account to a proper resolution. Despite my efforts, this charge-off remains reported inaccurately, negatively affecting my credit score. Reporting an account as charged-off without factual basis violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as it is unfair, misleading, and materially harmful. This inaccurate reporting has caused financial stress and has prevented me from accessing fair credit. 
XXXXXXXX XXXX XXXX XXXX  High Balance : {$400.00} Date Opened : XX/XX/XXXXXXXX  Charge Off -- - This account was wrongly reported as a charge-off despite my compliance with repayment arrangements and repeated attempts to correct any discrepancies. I have evidence, including bank statements and correspondence with the creditor, proving that I have made payments and requested verification. Misreporting this account as charged-off is both inaccurate and harmful under FCRA 1681i, and it unfairly penalizes me for events that never occurred. The inaccurate reporting is damaging to my reputation and has created undue stress. I demand immediate correction and removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off -- - This account has been reported as a charge-off for a debt that is disputed. I have documentation that clearly indicates my account history and payments, contradicting the charge-off status. Reporting false charge-offs violates FCRA 1681s-2 and is materially harmful. This inaccurate information has negatively impacted my financial opportunities, including mortgage applications, auto loans, and credit card approvals. I have repeatedly tried to resolve this with the creditor but have received no resolution. Immediate correction and removal are necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$34000.00} Date Opened : XX/XX/XXXX Late Payment -- - This account incorrectly shows late payments that I dispute. I have proof of timely payments, including receipts, confirmation emails, and bank statements. Despite providing this information to both the creditor and credit reporting agencies, the late payments remain reported, violating FCRA 1681i which mandates that disputed items be investigated. These false late payments have lowered my credit score, increased my interest rates, and caused significant financial hardship. I request immediate investigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4300.00} Date Opened : XX/XX/XXXX Collection -- - This collection account is inaccurately reported and reflects a balance that I do not owe. I have disputed this debt with the collection agency multiple times, provided evidence, and requested verification, yet it continues to appear on my credit report as a collection. Reporting inaccurate debts violates FDCPA 1692e and FCRA 1681s-2 and is causing undue financial and emotional stress. This false reporting prevents me from accessing credit, renting housing, or securing fair financial services. I demand the immediate removal of this account from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection -- - This account is inaccurately reported as a collection. I have never received valid notice or verification of this debt, and repeated attempts to communicate with XXXX XXXX XXXX have gone unresolved. Reporting an unverified collection violates FCRA 1681s-2 and FDCPA 1692e, as it misrepresents my financial obligations and causes harm to my creditworthiness. This inaccurate reporting has impacted my ability to secure credit and has caused emotional stress. I request immediate investigation and removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection -- - This collection account is being reported inaccurately. I have documentation and records showing that I have disputed this debt with the agency, yet it continues to appear on my credit report. Reporting a debt without proper verification is a violation of FCRA 1681s-2 and FDCPA 1692e. The continued reporting of this inaccurate collection has caused financial harm and stress, preventing me from obtaining credit or financial services at fair terms. Immediate correction and removal are requested. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX  Collection -- - This account reflects a collection that I dispute. I have contacted XXXX XXXX XXXX multiple times requesting verification of the alleged debt, provided documentation, and requested a correction, yet the collection remains. Misreporting this account is inaccurate, misleading, and harmful under FCRA 1681i and FDCPA 1692e. This false reporting negatively affects my credit score and access to credit, and I demand immediate removal. 
I request that the CFPB immediately investigate these matters, require the credit reporting agencies and furnishers to verify the validity of each account, remove all inaccurate collections and duplicate entries, and provide updated credit reports reflecting the corrections. The continued reporting of these inaccuracies has caused me financial harm, emotional distress, and difficulty in accessing fair credit and basic financial services. 
I certify that all statements herein are true to the best of my knowledge and request urgent action under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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