Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account was charged off due to non-payment, severely impacting your credit score and indicating financial distress. A charge off is a creditor 's declaration that the debt is unlikely to be collected, which remains on your credit report for up to seven years and can prevent you from securing new credit. Law : Under the Fair Credit Reporting Act ( FCRA ), charge-offs must be reported accurately and can be disputed if incorrect. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) regulates how debt collectors can pursue charge-offs, protecting against harassment or unfair practices. Story : The origins of this charge off lie in unforeseen financial emergencies that inhibited your ability to maintain timely payments. Despite efforts to manage expenses, the escalating debt balance and interest caused missed payments, eventually leading to charge off. Recognizing this, you began exploring legal protections and seeking repayment plans to resolve the debt and restore creditworthiness. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This credit line was also charged off, indicating serious delinquency. Charge offs reduce your creditworthiness and may raise red flags for future lenders. They also put you at risk of collections, lawsuits, and wage garnishments. Law : The FDCPA limits the actions debt collectors may take when pursuing such charged-off accounts, including prohibiting false threats or contacting you at inconvenient times. The statute of limitations for debt collection varies by state but generally ranges between 3-6 years, after which you may have legal protections against collection suits. Story : Initially managed responsibly, this account fell into delinquency during a period of financial hardship. The charge off reflects the culmination of missed payments, but you have since sought guidance and are committed to resolving or settling outstanding obligations within the bounds of consumer protection laws. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Collection Issue : The balance was sent to collections, severely damaging your credit profile and indicating missed payments that escalated into external collection efforts. Collections accounts often remain on credit reports for seven years, impeding credit access. Law : Under the FDCPA, collection agencies must follow strict rules, such as providing validation of debt upon request and refraining from abusive communication. You have the right to dispute inaccurate collections and request debt validation. Story : This collection arose after prolonged financial difficulties that delayed payments. You received notices from the collection agency and exercised your rights to dispute and negotiate repayment terms, aiming to resolve this matter responsibly while avoiding further credit damage. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Collection Issue : A recent collection indicating a recent failure to fulfill payment obligations. New collections can have immediate negative impact on credit scores and increase debt stress. Law : The FDCPA protections apply here, as collections must honor validation requests, and cease contact upon written notice. Additionally, some states offer further protections on collections including limits on interest or fees. Story : After a challenging period marked by unexpected expenses, this account fell into collection with XXXX XXXX. Recognizing the impact, you have engaged legal and credit counseling resources to address the account and seek a resolution plan that complies with legal standards. 

XXXX  XXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Charge Off Issue : A longstanding charge off with a small balance, remaining as a negative mark over an extended period. Such charge offs continue to affect credit for up to seven years or more depending on reporting. Law : The FDCPA and FCRA still provide protections for older debts ; you can negotiate settlements or dispute inaccuracies. Story : While the balance is relatively minor, the unresolved charge off has persisted. Through recent efforts, you have engaged XXXX  XXXX XXXX XXXX for potential settlement options to clear the mark and restore credit integrity. 

XXXX XXXX XX/XX/XXXX XXXX XXXX : Hard inquiry tied to mortgage or loan servicing. Law : Strictly regulated to protect consumer data and credit rights under FCRA. Story : Indicates ongoing financial management related to housing or loans, pursued responsibly. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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