Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint because my credit reports from XXXX XXXX major XXXX, ExperianXXXX XXXX XXXXcontinue to report charge-off accounts that are inaccurate, unverifiable, and incomplete, violating my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) reported with a charge-off dated XX/XX/2023 and a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) listed as a charge-off on XX/XX/2023 for {$1500.00}, and XXXX XXXX XXXX XXXX XXXX * XXXX ), also marked as a charge-off with a XXXX  balance as of XX/XX/2023. 

What makes this situation especially concerning is that these accounts are either reporting with a {$0.00} balance or are missing critical data required to justify the charge-off classification. According to XXXX XXXX. XXXX ( b ), each bureau is required to maintain procedures to ensure maximum possible accuracy. Yet in this case, they are continuing to display derogatory charge-off notations on accounts where the balance has already been XXXX  out, suggesting that either the accounts were paid, settled, or written offbut without updating the status to reflect that. A {$0.00} balance and a simultaneous charge-off status is conflicting information, and unless the reporting furnisher can produce the full account documentation and a legal basis for the current designation, this entry is not FCRA-compliant. 

I have previously disputed these items, requesting not just a surface-level confirmation but a meaningful reinvestigation as mandated by XXXX XXXX. XXXX ( a ). Yet the bureaus responded with automated verifications, offering no transparency into whether the original creditors even provided documentation, let alone whether a proper reinvestigation took place. These kinds of blanket responses do not meet the legal threshold for a reasonable investigation under federal law. 

I am also concerned that these errors XXXX be tied to a data breach or system-level mishandling of my credit file. While I am not alleging identity theft, I believe that some of these reporting discrepancies could have originated from erroneous data transmission between furnishers and bureaussomething that the FCRA was specifically designed to prevent through robust accuracy and reinvestigation requirements. 

As a result of these charge-off notations, I have faced denials for mortgage pre-approval, rejection from credit cards with lower interest rates, and difficulty qualifying for refinancing options that could have helped improve my financial standing. The XXXX  XXXX  is real. Its humiliating to be seen as financially irresponsible when the information being reported isnt even properly documented or verified. Ive done my part to resolve these debts and monitor my credit, but when the very systems that are supposed to help me build or rebuild my credit are the ones dragging me down, it feels like an impossible uphill battle.

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