Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the credit bureaus and data furnishers. The information being reported on my credit file contains inaccurate, unverifiable, and unauthorized data that have caused me significant harm, emotional distress, and financial difficulty. I am requesting your urgent intervention to investigate, enforce compliance, and remove these inaccurate items from my consumer report. 

ADDRESSES XXXX XXXX, XXXX, NJ XXXX XXXX Little XXXX XXXX, XXXX, NJ XXXX These addresses are not affiliated with my credit file and reflect inaccurate or outdated personal identifying information. Reporting inaccurate addresses violates FCRA 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. I demand these addresses be permanently deleted from my file and replaced only with my correct, current address. 

ACCOUNTS XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$1300.00} Charge-Off This account is being reported as a charge-off with an outstanding balance that can not be verified. No proof of ownership, contract, or account validation has been provided. Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureau must conduct a thorough reinvestigation, and under 623 ( a ) ( 1 ) ( A ), the furnisher can not report information known to be inaccurate. Failure to validate or provide documentation violates the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). This account must be deleted immediately. 

XXXX XXXX Open Date XX/XX/XXXX Balance {$1800.00} Charge-Off This account inaccurately reflects a charge-off that has not been substantiated with verified documentation. The balance reporting and account history are inconsistent with FCRA 1681e ( b ) accuracy requirements. Under 1681s-2 ( b ), furnishers must correct and update incomplete information. I have never received any validation or proper notice of charge-off. I request full deletion of this account. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$1700.00} Charge-Off This account reporting is inaccurate due to unverifiable balance and inconsistent dates of last payment. Reporting unverifiable negative information violates 1681i ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ). If the furnisher fails to provide validation documents, this account must be permanently deleted. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$640.00} Charge-Off The status of this account conflicts with other records and can not be verified by any documentation provided to me. The continued reporting of false charge-off data violates 1681s-2 ( b ) and FDCPA 807 ( 8 ) regarding false credit information. I demand immediate deletion. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$0.00} Charge-Off This account shows as a charge-off even though the balance is {$0.00}, which is contradictory and misleading. Such false information violates 1681e ( b ) and 1681i ( a ). If the balance is {$0.00}, no charge-off status should exist. This false report damages my credit reputation and must be removed. 

XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$0.00} Charge-Off Reporting a charge-off with a {$0.00} balance is inaccurate and in violation of FCRA 1681s-2 ( a ) ( XXXX ) ( A ). This data is clearly outdated and unverifiable. Please remove this account immediately. 

XXXX XXXX Open Date XX/XX/XXXX Balance {$0.00} Charge-Off This account appears to be reported without any valid balance or supporting contract. Reporting unverifiable charge-offs breaches FCRA 1681e ( b ) and 623 ( a ). Delete immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$70000.00} Late Payment Similar to the previous item, this account is being reported beyond the permissible time frame and contains unverifiable late payment data. Retaining this account violates 1681c ( a ) and 1681e ( b ). This account must be purged immediately. 

XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$32000.00} Late Payment This creditor has reported late payments that are inconsistent with my records. I have not received verification of these alleged delinquencies. Reporting false late payments breaches 1681s-2 ( b ) and FDCPA 807 ( 2 ) ( A ). I request reinvestigation and deletion. 

XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$5900.00} Late Payment This account shows inaccurate payment history not supported by my records or any documentation. The continued presence of unverifiable negative marks violates FCRA 1681e ( b ). I demand deletion if proof is not provided. 

XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$0.00} Late Payment Reporting late payments on a {$0.00} balance is false and misleading, violating 1681s-2 ( b ) and 1681e ( b ). The account must be corrected or deleted immediately. 

XXXX XXXX Open Date XX/XX/XXXX Balance {$10000.00} Charge-Off This account was never validated by the furnisher. Any reporting without contractual proof violates 809 ( a ) of FDCPA and FCRA 1681i. Delete this unverifiable and inaccurate entry immediately. 

XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$0.00} Late Payment This report reflects late payment history that is completely false. The furnisher has failed to validate the accuracy of this data, breaching 1681s-2 ( a ) and 1681e ( b ). This account must be deleted. 

INQUIRY XXXX XXXX  Date : XX/XX/XXXX This inquiry was made without my knowledge or consent. Under FCRA 1681b ( c ), consumer reports may only be accessed for permissible purposes. This inquiry constitute a clear violation of 1681b ( f ) and must be removed immediately. 

I am requesting that the CFPB investigate these violations and compel the credit bureaus and furnishers to permanently delete the inaccurate address, charge-off account, and unauthorized inquiry from my credit report. I also request written confirmation once this information is corrected or deleted. As a consumer protected under federal law, I am exercising my right to accurate, verifiable, and fair reporting of my personal credit information. I respectfully demand compliance with the FCRA and FDCPA within the statutory time frame.

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