Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Auto Loan Account Reporting Possible Violation of the Fair Credit Reporting Act Dear CFPB Representative, I am writing to formally dispute the accuracy and completeness of an account being reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint pertains to an auto loan account furnished by XXXX XXXX XXXX ( XXXX XXXX ). 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Partial Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Responsibility : Individual High Balance : {$27000.00} High Credit : {$0.00} Times XX/XX/XXXX Days Late : XXXX Months Reviewed : XXXX Terms Count : XXXX The reported data contains numerous inconsistencies and irregularities : The account is marked as a charge-off, yet there are zero delinquencies ( no late payments ).

There is no high credit amount reported, yet a high balance of {$27000.00} is listed. 

It reflects recent activity as of XX/XX/XXXX, despite being charged off. 

No months of payment history are listed even though XXXX terms are indicated. 

This data appears inaccurate, misleading, and unverifiable, potentially violating FCRA provisions including : 1681s-2 ( a ) ( 1 ) ( A ) : Duty to report accurate information.

1681s-2 ( b ) : Duty to investigate disputed information when notified by a consumer reporting agency.

If XXXX is acting as a third-party debt coll
ector, this also may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt.

Requested Action : I respectfully request the CFPB to : Investigate the accuracy and completeness of this reporting. 

Require the furnisher to provide verifiable documentation supporting the reported information. 

Direct the immediate removal of any inaccurate or unverifiable data.

This account is negatively affecting my credit profile, and I request timely resolution under the rights granted to me by federal law.

Thank you for your time and assistance.

_________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Inaccurate Reporting by XXXX Potential FCRA Violation Dear CFPB Representative, I am submitting a formal dispute regarding the reporting of an auto loan account appearing on my credit file, which I believe to be inaccurate, inconsistent, and potentially in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Account Details : Creditor : XXXX Partial Account Number : XXXX Account Status : Charge Off Balance : {$26000.00} Highest Balance : {$24000.00} High Credit : {$0.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Times XX/XX/XXXX Days Late : XXXX Months Reviewed : XXXX Terms Count : XXXX Current Payment Status : Collection/Charge-Off Amount Past Due : {$26000.00} Monthly Payment : {$0.00} Payment History : None available Responsibility : Individual Summary of Issues : The account is listed as charged off and in collections, yet no late payments are reported ( XXXX ). 

The high balance exceeds the highest balance ever reported, which is inconsistent. 

The high credit limit is shown as {$0.00}, yet the balance exceeds {$26000.00}, raising concerns about data accuracy. 

No months have been reviewed, and there is no payment history, which contradicts a charge-off status based on delinquency. 

The account states " You have 0 % left to pay on this loan '' but shows a past due balance of {$26000.00}, which is misleading and contradictory. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to report only accurate information.

1681s-2 ( b ) ( 1 ) ( AE ) obligates furnishers to conduct a reasonable investigation and correct or delete any information that is inaccurate or can not be verified after being notified of a dispute by a consumer reporting agency. 

If XXXX has charged off this account or assigned it to collections, yet has not properly documented or reported payment history, delinquencies, or account progression, this may constitute misleading and materially inaccurate credit reporting. 

Requested Action : I respectfully request that : XXXX provide verifiable documentation of the account, including a full payment history and breakdown of charges. 

Any inaccurate, unverifiable, deleted from my credit report. 

The CFPB review this issue for compliance with applicable federal credit reporting standards. 

This inaccurate reporting is negatively affecting my creditworthiness and is not compliant with FCRA guidelines. 

Thank you for your assistance in addressing this matter _________________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of XXXXXXXX XXXX Collection Account FCRA/FDCPA Violation Dear CFPB Representative, I am writing to dispute the accuracy and completeness of a debt collection account being reported on my credit report by XXXX XXXX XXXX XXXXXXXX violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Collection Agency : XXXX XXXX  Servicer : XXXX XXXX XXXX Partial Account Number : XXXX Original Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Current Status : Charge-Off / Collection Unpaid Balance : {$590.00} Monthly Payment : {$0.00} Payment History : Not available Comments : Account information disputed by consumer Highest Adverse Rating : Charge-Off / Collection Summary of Concerns : The absence of any payment history or delinquency timeline makes it impossible to verify the validity or aging of the debt. 

The account is marked as both Charge-Off and Collection, yet no supporting breakdown is provided.

The reporting lacks transparency in violation of FCRA 1681s-2 ( a ), which requires furnishers to report complete and accurate information.

The comment Account Information Disputed by Consumer is present, yet there is no indication of investigation or resolution, as required under FCRA 1681i and 1681s-2 ( b ).

If XXXX  is acting as a third-party debt collector, they must validate the debt upon request under FDCPA 809 ( 15 U.S. Code 1692g ) and are prohibited from reporting unverified or inaccurate information to credit reporting agencies under FDCPA 1692e ( 8 ).

Legal Violations Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Duty to report accurate and complete information. 

FCRA 1681s-2 ( b ) : Duty to investigate and correct inaccurate information after receiving notice of a dispute.

FDCPA 1692g ( b ) : Duty to cease collection and validate debt upon request.

FDCPA 1692e ( 8 ) : Prohibits reporting credit information that is known or should be known to be false or misleading. 

Requested Action : I respectfully request that the CFPB : Investigate the accuracy and legality of the collection information being reported by XXXX XXXX XXXX XXXX XXXX XXXX. 

Require XXXX XXXX to provide full documentation validating the debt, including itemized charges, original agreement, and proof of ownership or assignment.

Direct the credit reporting agencies to remove any unverified, inaccurate, or incomplete information per federal law.

The incorrect reporting of this account is negatively affecting my credit profile and may constitute unfair and unlawful reporting and collection practices.

Thank you for your attention and assistance with this matter.

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