Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable accounts being reported on my credit file. These accounts are severely damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. Below, I am listing each account with the issues, applicable laws, and explanation of how these reporting errors have harmed me. 
XXXX XXXX XXXX XXXX XXXX : This account has been reported as a charge-off with a high balance of {$2000.00}. 
Law : Under FCRA 609 ( a ) and 623 ( a ) ( 1 ) ( A ), furnishers must provide accurate and verifiable reporting. Reporting a charge-off without validating the debt violates my rights. Additionally, FCRA 611 requires reinvestigation upon dispute. 
Story : I never received proper validation or documentation proving the accuracy of this debt. Instead, the furnisher continues reporting derogatory information without substantiation. This has created the false impression of default and directly hindered my ability to obtain credit. By law, unverifiable charge-offs must be removed. 
XXXX XXXX Late Payment Issue : Reported as late payments on an account with a balance of {$860.00}. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. Inaccurate late payments violate this requirement. 
Story : I made payments on this account, but the reporting does not reflect the correct history. Incorrect late payments unfairly damage my payment history, portraying me as an irresponsible consumer. Without complete proof of delinquency, these lates must be corrected or deleted. 
XXXX XXXX XXXX XXXX : Reported as a charge-off with a balance of {$530.00}. 
Law : FCRA 623 prohibits furnishing information known to be inaccurate. FDCPA 807 ( 8 ) also prohibits false credit reporting as a means of collection.

Story : This account was never properly validated, and no lawful notice of charge-off was provided. The negative reporting appears punitive and retaliatory rather than factual. Continuing to report without verifiable records is unlawful and harmful to me. 
XXXX  XXXX Charge-Off Issue : Reported as a charge-off with a balance of {$2500.00}. 
Law : FCRA 609 entitles me to all records pertaining to an alleged debt. Without full validation, this charge-off constitutes unlawful reporting. 
Story : XXXX has failed to provide evidence that this account is valid, enforceable, and accurate. Instead, they continue damaging my credit standing with unverified derogatory reporting. Such conduct directly violates consumer protection laws. 
XXXX XXXX Multiple Late Payments Issue : Numerous entries between XXXX and XXXX reporting late payments with varying balances. 
Law : FCRA 602A establishes the need for fair and accurate reporting. Duplicative and inconsistent reporting constitutes a violation of both 607 ( b ) and 623. The Higher Education Act and related regulations also require accurate reporting of federal student loan data. 
Story : XXXX has reported multiple lates across different years with conflicting balances ( {$1000.00}, {$2100.00}, {$3500.00}, {$4500.00}, etc. ). These inconsistencies indicate negligence and lack of verification. In many cases, deferments, forbearances, or payment arrangements were in place, which should not have resulted in late notations. By reporting in this way, XXXX has misrepresented my payment history, lowered my credit scores, and harmed my financial stability. 
XXXX XXXX Collection Issue : Reported as a collection account with a balance of {$1200.00}. 
Law : FDCPA 809 ( b ) requires debt collectors to provide validation upon request. FCRA 623 ( a ) ( 3 ) prohibits furnishers from reporting information without proper investigation.

Story : This account was placed into collections without my receipt of any lawful notice or validation. The collector has failed to provide evidence that I owe this debt, yet they continue reporting it, which is unlawful and misleading. This false reporting has significantly harmed my ability to obtain fair credit opportunities. 
Conclusion The accounts listed above are being reported inaccurately, inconsistently, or without proper validation, in direct violation of the FCRA and FDCPA. These errors have caused significant damage to my creditworthiness, financial opportunities, and personal stability. I respectfully request the CFPB to investigate these violations, require the furnishers to provide proper validation or remove these accounts entirely, and ensure my credit report reflects only accurate and verifiable information.

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