Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
This is my formal complaint against the credit bureaus and furnishers who are reporting inaccurate, incomplete, and unverifiable information on my credit file. Despite my disputes, they have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). These errors continue to harm my creditworthiness and financial stability. I am requesting the CFPB to enforce immediate correction or deletion of the items listed below Addresses XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Issue Repeated false address Law FCRA 611 and FCRA 623 apply Story This is another duplicate version of an incorrect address. It is harmful, misleading, and can not be verified with any documentation. It must be removed Accounts XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$240.00} Charge Off Issue Reported as charge off without validation Law FCRA 611 and FCRA 623 apply Story XXXX XXXX has reported this account as a charge off but has failed to provide proper validation such as contract or billing history. Unverified reporting is unlawful and must be deleted XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1000.00} Charge Off Issue Inaccurate charge off reporting Law FCRA 607 ( b ) applies Story This account is reported as a charge off but no supporting records or verification have been provided. Reporting unverifiable data is harmful and misleading. This item must be removed XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$22000.00} Late Payment Issue Late payment reporting is inaccurate Law FCRA 607 ( b ) and 611 apply Story XXXX XXXX is reporting late payments but has not provided payment history or contractual evidence. Inaccurate late reporting damages my creditworthiness and violates federal law. This must be corrected or deleted XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$10000.00} Charge Off Issue Reported as charge off without verification Law FCRA 611 and 623 apply Story This account is showing as a charge off but no proof has been provided to validate liability. Without documentation, this reporting remains inaccurate and unlawful. It must be deleted XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$21000.00} Late Payment Issue Inaccurate late payment reporting Law FCRA 607 ( b ) applies Story XXXX XXXX XXXX is reporting late payments but has failed to prove accuracy through proper documentation. Without validation, this accounts reporting is incomplete and harmful. It must be corrected or deleted DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX High Balance {$6000.00} Late Payment Issue Old late payment reported without verification Law FCRA 611 applies Story This account is showing late payments with no supporting documents. Reporting such unverifiable derogatories is unlawful and must be corrected DEPT OF EDUCATION/XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$6600.00} Late Payment Issue Duplicate late payment reporting Law FCRA 607 ( b ) applies Story This appears as a duplicate negative entry, inflating the damage to my file. Duplicate reporting is misleading and must be deleted DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX High Balance {$3800.00} Late Payment Issue Inaccurate reporting Law FCRA 611 applies Story This account is showing recent late payments without proof of accuracy. Unverified derogatory data is unlawful and must be deleted DEPT OF EDUCATION/XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$3500.00} Late Payment Issue Duplicate negative account Law FCRA 607 ( b ) applies Story This appears to be a duplicate entry reported under the same furnishers. Duplicate late payment entries are misleading and must be removed DEPT OF EDUCATION/XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$3600.00} Late Payment Issue Unverifiable derogatory reporting Law FCRA 611 applies Story This entry reflects another negative listing without verification. Such duplication is unlawful and directly harmful to my profile. It must be deleted XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$7400.00} Late Payment Issue Late payment reported without proof Law FCRA 607 ( b ) applies Story XXXX XXXX is reporting late payments but has not provided transaction records or contractual evidence. Unverifiable reporting must be deleted under federal law XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$14000.00} Charge Off Issue This account is being reported as a charge off without proper validation Law FCRA 611 and 623 apply Story XXXX  has failed to provide original agreements, billing records, or proof of liability. Without verifiable evidence, this charge off remains inaccurate and unlawful and must be deleted XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$2800.00} Charge Off Issue Improper charge off reporting Law FCRA 607 ( b ) requires maximum possible accuracy Story XXXX XXXX is furnishing a charge off but has not validated the accuracy of the balance or contract. Reporting without documentation violates federal law and this item must be removed XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$10000.00} Charge Off Issue Charge off unverifiable Law FCRA 611 applies Story XXXX  is reporting this account negatively but has not produced evidence such as payment history or signed agreements. This failure to verify requires deletion under the law XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$1800.00} Charge Off Issue Unlawful charge off reporting Law FCRA 623 applies Story XXXX XXXX has reported this account as a charge off but no supporting documentation has been provided. This reporting is incomplete and inaccurate and must be corrected or removed XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$1900.00} Late Payment Issue Late payment unverifiable Law FCRA 611 applies Story XXXX XXXX  has reported negative payment history but can not validate with documentation. This inaccurate entry must be corrected or deleted XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$8800.00} Charge Off Issue Unverified charge off Law FCRA 623 applies Story XXXX is furnishing a charge off without proper verification of liability or ownership. Unverified derogatory information must be deleted Collections XXXX XXXX Date Opened XX/XX/XXXX High Balance {$9500.00} Collection Issue Collection unverifiable Law FCRA 611 and FDCPA 809 ( b ) apply Story XXXX  has reported this debt without proof of assignment or validation from the original creditor. Reporting without ownership validation is unlawful and must be removed XXXX XXXX Date Opened XXXX XXXX, XXXX High Balance {$9100.00} Collection Issue Improper collection reporting Law FDCPA 807 and FCRA 607 ( b ) apply Story XXXX is reporting this account as a collection without validating the debt. No documentation has been provided. This violates federal law and must be deleted XXXX XXXX  XXXX Date Opened XX/XX/XXXX High Balance {$1600.00} Collection Issue Unverifiable collection Law FCRA 611 and FDCPA 809 ( b ) apply Story XXXX XXXX is a debt buyer reporting without proof of ownership or chain of title. Without validation, this item must be deleted XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1100.00} Collection Issue Collection reporting inaccurate Law FCRA 607 ( b ) applies Story This account has been reported without providing the original creditors validation. Without evidence, this negative entry can not lawfully remain XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$870.00} Collection Issue Collection unverifiable Law FCRA 609 and FDCPA 807 apply Story XXXX XXXX XXXX  has not provided documentation proving ownership or accuracy of this debt. This unverifiable collection must be deleted Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue Unauthorized inquiry Law FCRA 604 ( a ) applies Story XXXX  XXXX  accessed my report without authorization or permissible purpose. This inquiry must be deleted XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue Impermissible inquiry Law FCRA 604 ( a ) ( 2 ) applies Story XXXX XXXXXXXX accessed my report without my consent. This is a direct violation of federal law and must be deleted Final Statement Under FCRA sections 607 ( b ), 609, 611, and 623, the credit bureaus and furnishers are required to ensure accuracy, conduct reinvestigations, and remove unverifiable information. The addresses, charge offs, and late payments listed above remain inaccurate and unverifiable. I am demanding immediate deletion or correction of these items. If the furnishers and credit bureaus fail to comply, I request the CFPB to enforce federal law and hold them accountable for these repeated violations

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