Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) involving incorrect address reporting, a charge-off, late payment reporting during hardship, and an unauthorized inquiry. These inaccurate items continue to remain on my credit report, despite previous attempts to correct them. These errors are severely affecting my financial stability and reputation. 
Below are the specific items I am disputing, along with the facts, applicable FCRA laws, and supporting context : XXXXXXXX XXXX XXXXXXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Charge Off * * Issue : This account was charged off and is inaccurately reported. I was facing severe financial hardship due to medical emergencies and job loss, and I tried negotiating with the lender without success. 
Law : According to FCRA Section 611, consumers have the right to dispute incomplete or inaccurate information. Reporting a charge-off without considering the mitigating circumstances and not providing verification upon request breaches this section.

Story : The reporting of this charge-off without any acknowledgment of my situation is extremely unfair. I attempted to resolve the account amicably, but XXXX Bank was unwilling to accommodate any hardship plan. I was unemployed and dealing with critical personal matters. The emotional and financial stress led me to default temporarily. I never received validation notices, nor was I provided proper breakdown of how the balance was calculated. I am requesting this charge-off be removed based on hardship grounds and failure to validate the debt in compliance with the FCRA. 
XXXX XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX High Balance : {$1200.00} Late Payment * * Issue : This account shows late payments during a period when I was under documented financial hardship. I had informed XXXX XXXX of my situation and had requested accommodations. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers of information to ensure accuracy and completeness. Reporting late payments after hardship communication, without proper investigation, violates this rule. 
Story : I had reached out to XXXX XXXX when I experienced a family medical emergency and a temporary layoff from work. I was led to believe that I was in a hardship program, but late payments were still reported. These derogatory marks are not reflective of my willingness to pay or the reality of my circumstances. I am asking for a goodwill adjustment or removal of these late payments given my consistent communication and documented hardship. 
Summary & Relief Sought : These incorrect items are in violation of the Fair Credit Reporting Act. I respectfully request the CFPB to investigate these accounts, addresses, and inquiry, and require the credit bureaus and data furnishers to : Immediately delete both incorrect addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Remove the XXXX XXXX  charge-off due to hardship and lack of validation. 
Remove or correct the late payments on the XXXX XXXX account due to miscommunication and documented hardship. 
Remove the unauthorized inquiry from XXXX.

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