Consumer complaint received 2025-07-21 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 filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$960.00} Law Issue : FCRA 1681s-2 ( b ) Furnishers duty to investigate disputed information Story : I previously disputed this charge-off directly with XXXX  XXXX and received no conclusive response. The information remains unverifiable and is damaging my creditworthiness. I request deletion due to inadequate verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$1300.00} Law Issue : FCRA 1681c-2 Blocking inaccurate information Story : The late payment being reported is inaccurate. I made payments within the grace period and have proof from my banking institution. This report is misleading and negatively affecting my credit profile. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$160.00} Law Issue : FCRA 1681s-2 Reporting of inaccurate information by furnishers Story : I completed the XXXX XXXX  program in good standing and never defaulted. Reporting this as a charge-off is factually wrong and misleading. Please correct or delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$2900.00} Law Issue : FCRA 1681i Failure to correct inaccurate information Story : I was enrolled in a financial hardship plan with XXXX and should not have been charged off during the program. Reporting this as a charge-off contradicts my payment arrangements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$3400.00} Law Issue : FCRA 1681b Permissible purpose requirement Story : I do not recall opening any account with XXXXXXXX XXXX XXXXXXXX XXXX No communication or validation has ever been sent. I suspect identity confusion or reporting error and request immediate investigation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$2100.00} Law Issue : FCRA 1681e ( b ) Accuracy of data Story : This charge-off is inconsistent with my account records. XXXX failed to notify me of delinquency. I demand supporting evidence or deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$4500.00} Law Issue : FCRA 1681i No verification upon dispute Story : The XXXX account has not been validated properly. I sent prior disputes and received no verification. Continued reporting without proper proof is a violation of my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$0.00} Law Issue : FCRA 1681e ( b ) Reporting outdated or incorrect account status Story : This account is showing as charged off despite a {$0.00} balance, which indicates it was paid or settled. It is misleading and harmful to my credit and must be corrected or deleted. 

XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance : {$1200.00} Law Issue : FCRA 1681s-2 ( b ) Duty of furnisher to correct and update information Story : This appears to be a duplicate entry of XXXX XXXX XXXX listed above. Duplicate entries falsely inflate my charge-off count. I demand deletion of this redundant record. 

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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