Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against the credit reporting agency for inaccurate and harmful reporting practices that have significantly damaged my financial standing. Despite multiple attempts to correct these issues, the inaccuracies persist. These issues include multiple wrong address entries, inaccurate charge-offs, late payments, and collection accounts that either do not belong to me, are incorrectly reported, or were not properly validated according to federal law. 
XXXX XXXX  XXXX XXXX XXXX, TX XXXX Issue : Unknown address being reported on file.

Law Violated : FCRA 611 ( a ) ( 1 ), 609 Story : This continued misreporting is distressing. It affects my FICO score and alerts underwriters about fraud risk. I never authorized this data. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$300.00} Issue : Charge-off account is unverifiable and lacks documentation. 
Law Violated : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Story : This account was disputed, but I never received any contract or billing history. Reporting this as a charge-off without proof is unfair and damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$430.00} Issue : Duplicate charge-off with inconsistent information.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 607 Story : Both XXXX XXXX  accounts are questionable. No explanation or validation was given when I disputed them. This shows neglect by the furnisher. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$450.00} Issue : Charged-off account with inconsistent reporting across bureaus. 
Law Violated : FCRA 607 ( b ), FDCPA 807 ( 8 ) Story : The status, amount, and payment details vary across agencies. This demonstrates poor data integrity and regulatory non-compliance. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High B

alance : {$16000.00} Issue : Vehicle loan charged off without validation. Law Violated : FDCPA 809 ( b ), FCRA 611 ( a ) Story : I requested verification of this account. They failed to provide any supporting document, yet it still appears as a major derogatory account. 
XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Charge-off reported incorrectly, disputed with no response. 
Law Violated : FCRA 611, FDCPA 809 Story : This account should not have been listed as charge-off because I was under a hardship agreement. This was never considered or reported properly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$100.00} Issue : Incorrect charge-off status.

Law Violated : FCRA 623 ( b ), 609 Story : Such a small loan being reported negatively and unfairly after payoff damages my reputation. The company ignored my dispute. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$970.00} Issue : Account charged off incorrectly. 
Law Violated : FCRA 607, 623 Story : Disputed multiple times with no supporting documents returned. Reporting continues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : Account charged off paid balance not reflected.

Law Violated : FCRA 611 ( a ), 623 ( a ) Story : Despite submitting proof of settlement, the credit report still shows unpaid charge-off. This is completely unfair. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late payments during forbearance.

Law Violated : FCRA 623 ( b ), CARES Act Story : I had these loans under approved deferment. Late reporting is false and violates federal relief policies. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$3500.00} Issue : Duplicate student loan account.

Law Violated : FCRA 607 Story : This appears to be a duplicate entry with mismatched dates and status. Needs correction. 
DEPT OF EDXXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$24000.00} Issue : Late reporting during administrative pause.

Law Violated : CARES Act, FCRA 611 Story : This loan was not due during the date listed. Still it shows 30-day late, violating my rights under federal student loan protections. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Collection not validated after dispute.

Law Violated : FDCPA 809 ( b ), FCRA 609 Story : They failed to provide any documentation, yet it continues to show up harming my financial credibility. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Issue : Medical collection with no itemized validation. 
Law Violated : FDCPA 809, FCRA 609 Story : No details, provider name, or dates were given. This is a HIPAA-sensitive matter and requires strict verification. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Issue : Charge-o

ff without notice or validation. Law Violated : FDCPA 809 Story : I was never contacted about this loan. Suddenly it shows as charged off, which is unlawful. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Utility charge-off no validation or history shown.

Law Violated : FCRA 611 Story : This is damaging for renting homes, yet the utility has refused to provide statements or evidence.

I demand a full investigation of all items listed above. Please verify the accuracy of the data with the furnishers and provide written documentation for each account. If verification can not be completed within the time limit established under the FCRA ( 30 days ), I demand immediate deletion of the disputed information from my file.

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