Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The inaccurate and misleading reporting of the following account has caused me emotional XXXX, credit score damage, and financial hardship. I am requesting that the CFPB intervene and ensure this matter is properly investigated, verified, and corrected according to federal law. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$780.00} Status : Charge Off This account has been wrongfully reported as a charge-off without any valid proof of debt, original documentation, or consumer acknowledgment. I never received proper notification or validation before this negative information was furnished to the credit bureaus. I have disputed this account multiple times with the credit bureaus and XXXX XXXX but both have failed to comply with the requirements under the FCRA to ensure accuracy and completeness of consumer data. 
Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of this charge-off without verified evidence clearly violates this section. Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) requires a reinvestigation of disputed information within 30 days. Despite my previous disputes, no proper reinvestigation or valid documentation has been provided to justify this charge-offs accuracy.

Additionally, under 15 U.S.C. 1681s-2 ( b ), the furnisher of information ( XXXX XXXX ) is legally required to investigate and correct any inaccurate or incomplete information reported to a credit bureau XXXX Their failure to update or remove the incorrect charge-off after my disputes constitutes a clear violation of this law. Moreover, 15 U.S.C. 1692e of the FDCPA prohibits false or misleading representations regarding the character, amount, or legal status of any debt. Reporting a charge-off that has not been verified or lawfully substantiated falls directly under deceptive and misleading practices.

This inaccurate reporting has severely damaged my creditworthiness, affected my ability to obtain loans and housing, and caused significant emotional XXXX. It is unacceptable for furnishers and credit bureaus to continue verifying and reporting unsubstantiated information without proof or consumer consent. I am exercising my rights under the FCRA and FDCPA to demand full compliance and correction. 
Laws Violated : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy of reported information 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct inaccurate data after notice of dispute 15 U.S.C. 1692e False and misleading representation of debt Conclusion : I respectfully request that the CFPB investigate this matter thoroughly, require XXXX XXXX  to provide verifiable documentation proving this alleged debt, and ensure that all inaccurate, incomplete, or unverifiable information is permanently deleted or corrected. I also request that the CFPB enforce strict compliance with all provisions of the FCRA and FDCPA to protect my consumer rights and restore the integrity of my credit report.

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