Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple inaccurate, incomplete, and unverified items that are causing serious harm to my creditworthiness, financial stability, and personal life. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws which require credit reporting agencies, data furnishers, and collectors to report accurate information, investigate disputes promptly, and remove unverifiable data. Despite previous disputes, these accounts and inquiries remain improperly reported. The CFPB was created to ensure consumer rights are respected, and I am requesting your immediate assistance to hold these furnishers and credit bureaus accountable, conduct a full reinvestigation, and permanently delete or correct all disputed information. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This account shows a charge-off with a XXXX balance, which is contradictory and misleading under FCRA 607 ( b ). Accurate reporting can not show a charge-off after the debt is resolved or paid to {$0.00}. The furnisher must show a full payment history and original signed agreement. If the balance is XXXX, this can not continue to harm my credit as a derogatory mark. Reporting this status unfairly lowers my credit score and violates FCRAs requirement for maximum possible accuracy. If you can not verify the account with detailed documentation from the original creditor, this must be removed. FCRA 611 ( a ) requires deletion of unverifiable data within 30 days. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This charge-off is outdated and unverifiable because no original signed agreement or complete payment records have been provided. FCRA 611 ( a ) requires reinvestigation and deletion if the information can not be verified. Duplicate or outdated derogatories unfairly depress my credit score and violate the maximum possible accuracy standard. Please ensure this account is validated through direct communication with the furnisher. If they can not fully verify, it must be removed. 

XXXX XXXX XXXX XXXX Charge-Off Date Opened : XX/XX/XXXX Balance {$0.00} This account is reporting a charge-off while simultaneously showing a XXXX-dollar balance. This combination is materially misleading and does not reflect the true status of this account. Reporting a XXXX  balance but continuing to list it as charged off is a violation of FCRA 1681e ( b ) because it does not convey maximum possible accuracy to creditors who view my report. This derogatory status unfairly lowers my credit score, implying I still owe money when no debt exists. I never received proper notice of charge-off and no contract or proof of default has been provided to me by the furnisher. This tradeline is obsolete and must either be corrected to reflect paid/closed in good standing or deleted entirely. Failure to do so constitutes continued publication of inaccurate data. 

XXXX  XXXX XXXX Charge-Off Date Opened : XX/XX/XXXX This account is inaccurately listed as a charge-off despite no verifiable record of default being presented. I have not been given statements, payment history, or notice of delinquency prior to charge-off status being reported. XXXX has a duty under FCRA 1681s-2 ( a ) to report only accurate information and must correct any errors after being notified of a dispute. Failure to provide proper documentation or reinvestigation results in legal liability under FCRA 1681n for willful violations. This negative tradeline is unjustly harming my credit profile and must be removed if it can not be supported by original documentation. 

XXXX XXXX XXXX Charge-Off Date Opened : XX/XX/XXXX Balance {$0.00} A charge-off with a XXXX-dollar balance misleads creditors into believing there is still negative history when no debt remains. The continued reporting of this status violates the maximum possible accuracy clause under FCRA 1681e ( b ). Additionally, FCRA 1681c ( a ) ( 4 ) requires outdated derogatory information to be removed after seven years, and this tradeline may now be approaching obsolescence depending on date of first delinquency. I have not received any documentation of how this balance was resolved or why the charge-off status remains. If you can not obtain verification, this item must be deleted immediately. 

XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This account is reported as a charge-off but shows a {$0.00} balance, which creates a contradictory and unfair impression of my credit profile. Reporting a XXXX-balance account as a charge-off misleads lenders into believing I still have a major derogatory event affecting my creditworthiness. Under FCRA 607 ( b ), you must assure maximum accuracy, and FCRA 611 requires deletion of unverifiable or incomplete data. This account should either show as paid/closed in good standing or be permanently deleted. Continued reporting of a charge-off with no financial obligation remaining is damaging, misleading, and a direct violation of FCRA. If the furnisher can not provide original documentation including the signed agreement, proof of default, and accurate date of first delinquency, you must remove this account immediately to maintain compliance. 

XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This account is being reported as a charge-off even though the balance is XXXX, which is both incomplete and inaccurate. A XXXX-balance charge-off is a contradiction that makes it look as though I failed to meet my obligations, even though no debt remains. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting inaccurate information, and FCRA 611 ( a ) ( 5 ) obligates you to delete data that can not be verified. If the original creditor can not produce full account-level records, including payment history and documentation supporting the charge-off classification, this item must be deleted. Leaving this derogatory mark with no current liability unfairly lowers my score and affects my ability to obtain credit, housing, and employment. Please update this item to reflect a positive closure or remove it completely. 

XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This accounts reporting is highly misleading. It shows a charge-off but reflects a {$0.00} balance, meaning there is no remaining debt. A true charge-off should reflect an unpaid loss, but here there is none. Continuing to report it as derogatory despite no financial harm to the creditor violates FCRA 602 ( a ) requiring fairness and accuracy in reporting. This entry gives lenders and insurers the false impression that I am a high-risk borrower. I am requesting that you immediately reinvestigate this account and remove the charge-off notation if it can not be fully verified. Any unverifiable information must be permanently deleted under FCRA 611 ( a ) ( 5 ). Keeping this inaccurate status on my report is harmful and unjustified. 

XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This account continues to report as a charge-off despite no balance being owed, which is a violation of my consumer rights. FCRA 607 ( b ) requires you to ensure the highest level of accuracy, and FCRA 623 forbids the reporting of information known to be incorrect. If the creditor has forgiven or settled the debt, the charge-off status must not remain because it misrepresents the current standing of the account. I am requesting a reinvestigation to confirm whether the account is legally collectible, whether there was indeed a valid charge-off event, and whether the reporting is current and accurate. If you can not verify this with original, signed documentation and complete records, you must delete the item entirely to comply with federal law. 

XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This account shows a charge-off but a balance of XXXX, which misleads anyone reviewing my credit file. It unfairly penalizes me for an event that has no remaining financial consequence. Under FCRA 611, you must perform a reasonable reinvestigation and delete information that can not be fully verified. I demand the original contract, payment history, and charge-off calculation. If the creditor can not supply this data, this account should be removed from my credit file immediately. Continued reporting of a derogatory account with no balance is a violation of my rights and must be corrected or deleted. 

XXXX XXXX XXXX XXXX  XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This account reflects a charge-off with no balance, which is misleading and not representative of my true credit standing. Under FCRA 607 ( b ), credit reporting agencies are required to report with maximum possible accuracy. A XXXX-balance charge-off suggests I still have a major derogatory item despite owing nothing, creating unnecessary damage to my credit score. If the data can not be verified with proper documentation from the furnisher, this item must be deleted under FCRA 611 ( a ) ( 5 ). I request a full reinvestigation and removal of this account if it can not be substantiated in full. 

XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | Balance : {$0.00} This auto-related account is being reported as a charge-off even though the balance is XXXX, which is inaccurate and incomplete. This type of reporting violates FCRA 602 ( a ), which guarantees fair and equitable credit reporting practices. Continuing to display a charge-off with no debt is misleading and harms my creditworthiness unfairly. I demand verification of all records including contract, payment details, and charge-off documentation. If the furnisher can not provide proof, this account must be removed. Keeping unverifiable or misleading data on my credit report is unlawful and must be corrected. 

US BKPT XXXX XXXX XXXX Reference # : XXXX BANKRUPTCY This reporting is inaccurate and incomplete. The listing does not contain verifiable source information showing that it was lawfully filed and correctly attributed to me. I contacted the court directly, and they confirmed that they do not furnish or verify data for credit bureaus meaning that this information was sourced through third-party vendors, which is not considered original, certified court data. Under FCRA 607 ( b ), any information that can not be verified with original public record documentation must be removed from my file to prevent harm to my reputation and credit profile. 

I respectfully request that the CFPB review this complaint in full, enforce compliance with FCRA Section 611, Section 607 ( b ), and FDCPA requirements, and ensure that all inaccurate, outdated, or unverifiable information listed below is removed or corrected without delay. I am requesting a complete investigation and written response within the legally required timeframe. These errors are damaging my credit, causing denials for housing, employment, and fair credit opportunities. The CFPBs intervention is crucial to protect my rights as a consumer and ensure fair and accurate reporting.

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