Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$76000.00} Status : Chargeoff Law Issue : FCRA Section 602A & 609 ( a ) ( 1 ) requires accuracy and verification of account information, and FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting false or unverifiable information Story : This account is reported as a chargeoff with a large balance, yet I never authorized or signed for this loan, and there is no valid contract with my signature proving I am liable. The reporting is inaccurate, damaging, and unverifiable. I request immediate deletion if verification can not be provided with original signed documentation ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Status : Chargeoff Law Issue : FCRA Section 611 ( a ) ( 1 ) ( A ) requires the bureau to conduct a reasonable reinvestigation, FCRA Section 609 ( a ) ( 1 ) grants me the right to request validation, and FDCPA Section 807 prohibits false representation of debt Story : This XXXX account is being reported as charged off, but there are inconsistencies in the balance and payment history. I never received proper validation or an original signed agreement proving liability. Continued reporting without verification is a violation of federal law, and this account must be deleted if no proper evidence is provided INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 2 ) requires permissible purpose before a credit inquiry can be made Story : This hard inquiry was done without my consent or knowledge. I never gave written or verbal permission for this entity to access my credit report. This inquiry must be removed as it is unauthorized and damaging to my credit profile I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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