Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After reviewing my file, I have identified discrepancies in the reporting of collections, charge-offs, student loans, late payments, and a bankruptcy entry. These inaccuracies have a significant adverse impact on my credit standing, and I request that you investigate and remove any information that can not be verified as accurate. 

Description of Issues : Collections : Experian is reporting one or more collection accounts that I did not authorize and which do not accurately reflect my financial history. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be verified for accuracy. I have reason to believe these collection entries have been included in error. 

Charge-Offs : My report shows a charge-off that is not consistent with my records. The FCRA mandates that only accurate and properly documented negative information is reported. I did not consent to this charge-off being recorded, and I dispute its validity. 

Student Loans : The student loan data on my report contains inaccuracies. Whether the reported amounts, status, or payment histories, these entries are either outdated or incorrect. The FCRA requires that all reported information is complete and correct, and I request verification of this data. 

Late Payments : Several late payment entries are listed, which I believe do not accurately represent my payment behavior. According to the FCRA, any derogatory marks must be substantiated with accurate records. I dispute these entries as they were obtained and reported without my consent or proper verification. 

Bankruptcy : A bankruptcy entry is present on my credit file that I contest as inaccurate. Federal law requires that bankruptcy information be reported correctly and only when fully substantiated. I maintain that this entry does not reflect my true financial history. 

Legal Basis for My Dispute : Fair Credit Reporting Act ( FCRA ) : The FCRA obligates credit reporting agencies to ensure the accuracy and completeness of the information they report. Under Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. If the disputed information can not be verified, it must be corrected or removed from my file. 
Consumer Consent : Any information reported on my credit history must be obtained with proper verification and, in some cases, my explicit consent. The inclusion of these inaccurate items without my consent is not only misleading but also in violation of the consumer protection principles embedded in federal credit laws.

Requested Action : I respectfully request that you : Conduct a thorough investigation into these disputed items. 
Remove or correct any information that can not be verified as accurate within the time frame required by law. 
Provide me with a written statement detailing the results of your investigation and any actions taken to update my credit file. 
If you require any additional documentation or clarification from me to facilitate this dispute, please contact me at the information provided above. 

I appreciate your prompt attention to this matter and expect a response within 30 days as stipulated by the FCRA. If the inaccuracies are not resolved to my satisfaction, I will consider filing a complaint with the Consumer Financial Protection Bureau and seeking legal recourse. 

Thank you for your cooperation.

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