Consumer complaint received 2025-08-14 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 formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
Account : XXXX XXXX, Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff * * Issue : This account is inaccurately reported as a charge-off despite being fully resolved with a XXXX balance. 
Law : Under the Fair Credit Reporting Act ( FCRA ) Section 1681i, credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. 
Story : This account was fully satisfied and brought to a XXXX balance prior to its reporting as a charge-off. The creditors classification of the account as a charge-off is misleading and paints a false picture of my financial history. I have maintained detailed documentation of payments and final settlement correspondence with XXXX XXXX, which confirms that the account was resolved without loss. Continuing to report it as a charge-off is materially damaging to my credit profile and is not reflective of my true payment history. I am requesting an immediate investigation and removal of the charge-off status so the account accurately reflects a paid and closed status. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Chargeoff * * Issue : This account is incorrectly shown as a charge-off despite being fully resolved and closed. 
Law : FCRA Section 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Story : I maintained this account responsibly and resolved the outstanding balance in full prior to closure. The current reporting as a charge-off is inaccurate and misleading. Such a designation falsely implies that I failed to meet my financial obligations, which is not the case. I have payment receipts and closing documents to prove that the account had no loss to the creditor. The continuation of this inaccurate reporting is detrimental to my credit reputation, and I am requesting immediate correction to show this account as paid in full and closed in good standing. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection * * Issue : This collection account is inaccurate, unverified, and not owed by me. 
Law : FCRA Section 1681i requires that disputed information must be verified with the furnisher of the information ; otherwise, it must be deleted from the consumers file. 
Story : I have no record, agreement, or contractual obligation with XXXX XXXX XXXX for the alleged debt of {$17000.00}. This entry appears to be a case of mistaken identity or misapplied debt. I have never received a valid notice of debt, nor have I authorized any services or transactions that would result in this balance. Reporting such a large and unverified collection account severely impacts my creditworthiness and causes undue harm. I demand that this account be fully investigated, and if it can not be substantiated with signed agreements and complete payment history, it must be deleted immediately from my report. 
Inquiry : XXXX XXXX : This inquiry is unauthorized and was made without my consent. 
Law : FCRA Section 1681b outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. An inquiry without my explicit consent or a legitimate business need is a violation of this provision. 
Story : I have no business relationship, open account, or transaction with XXXX that would warrant a credit inquiry. I did not apply for any service, credit, or financial product from this entity, nor did I authorize them to access my credit report. The appearance of this inquiry is both troubling and damaging, as it impacts my credit score and suggests activity that never occurred. I request its immediate removal to protect the accuracy of my credit file. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected 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