Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Law : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) and Section 611, I have the right to request that only accurate, complete, and verifiable information remain on my credit file. Reporting unverifiable charge-off accounts is a direct violation of these provisions.

Issue : This account is being reported as a charge-off despite showing a balance of {$0.00}. This is inconsistent and misleading. A charge-off account with a {$0.00} balance suggests that the debt was either paid, settled, or transferred. In that case, it should not remain as a derogatory charge-off on my file. The reporting is inaccurate and incomplete.

Story : I never received proper validation of this debt from the furnisher. The account has been marked as charged-off, yet it is simultaneously showing a {$0.00} balance, which misrepresents the true status. This type of conflicting reporting harms my creditworthiness by making it appear as though I have an unpaid negative account when in fact there is no balance owed. I also never received full documentation verifying this account with signatures, dates, or itemized statements.

Instruction : I request that this account be deleted entirely from my credit report since it can not be verified in compliance with FCRA 609 ( a ) ( 1 ) and 611 ( a ). If the furnisher can not provide a valid signed contract, account statements, and payment history validating the charge-off, the bureau must remove this item immediately. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), credit reporting must be fair and accurate. Section 607 ( b ) requires maximum possible accuracy, and Section 611 grants the consumer the right to dispute any item that is inaccurate or unverifiable.

Issue : This account is listed as a charge-off with a balance of {$28000.00}. This reporting is inaccurate and incomplete because a true charge-off should not continue to reflect as an outstanding balance in this manner without proper substantiation. It misleads potential creditors into thinking I have a current delinquency when in fact the account has been charged-off and should be properly documented. 
Story : I never received proper notice of default from XXXX XXXX XXXX XXXX regarding this alleged charge-off. Additionally, no original contract, payment breakdown, or detailed validation has been provided to prove the accuracy of this balance. The reporting is damaging to my credit profile and creates confusion regarding whether I owe this debt or not. An unverified charge-off balance of this size has a severe negative impact on my creditworthiness, which is unjust and unlawful under FCRA standards XXXX 
Instruction : I demand a full reinvestigation of this account and require that the credit bureau provide documented proof, including original signed contracts, account history, and legally sufficient validation. If such validation can not be provided, the bureau must delete this account from my file under FCRA 611 ( a ) and ensure that it is no longer reported as a derogatory item.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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