Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this complaint to formally document and escalate a series of serious and unresolved FCRA and FDCPA violations being committed by multiple furnishers reporting inaccurate, unverifiable, and inconsistent derogatory information on my consumer credit reports. Despite my previous disputes and attempts to request verification, the companies listed below have failed to provide factual evidence, violated Metro 2 data reporting standards, and ignored the elevated duty of care owed to me as a confirmed victim of both the Equifax and XXXX XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX ( XXXX accounts : {$13000.00} / {$8400.00} / {$5200.00} ) These three charge-off accounts are reporting with balances that exceed the original credit limits ( 104 % 106 % utilization ), inconsistent last activity dates across bureaus, and materially conflicting payment histories. No full payment records or signed contracts have ever been provided. I have disputed these accounts multiple times and have received no verification. These practices violate : FCRA 611 ( a ) : Failure to reinvestigate disputed information FCRA 1681e ( b ) : Reporting information that is inaccurate or outdated Metro 2 Compliance : Inconsistent formatting, misclassified payment statuses, and high balance inaccuracies XXXX. XXXX XXXX XXXX XXXX ( {$2900.00} ) This account includes a Dispute Resolved notation, which is inaccurate and misleading. The dispute was never resolved with any proper documentation, billing statements, or original agreement provided. The account reports a credit limit of {$2500.00} and a charge-off balance of {$2900.00}, showing over 117 % utilization. It also contains an erroneous payment history. These failures violate : FCRA 623 ( a ) ( 1 ) : Duty of furnishers to provide accurate information FCRA 611 and 1681e ( b ) : Duty to correct or delete inaccurate data Metro 2 : Formatting inconsistencies and improper dispute handling XXXXXXXX XXXX XXXX  XXXX XXXX ( {$1600.00} ) This charge-off account is reporting with 165 % utilization and irregularities in the date of last activity. There has never been a valid debt verification provided, and the creditor failed to respond to my prior written dispute. This account continues to report with vague Profit and Loss Writeoff language and lacks transparency. This violates : FCRA 609 ( a ) ( 1 ) : Right to request the original source of information FCRA 1681s-2 ( b ) : Furnishers failure to investigate and respond to disputes Metro 2 Compliance : Overlimit utilization, no record of contract, and formatting discrepancies XXXX. XXXX XXXX XXXX ( {$2800.00} XXXXXXXX XXXX XXXX  This collection account continues to report with the status Subscriber Disagrees after I filed a dispute, which is not a resolution. The account shows as open on XXXX report and closed on another, with no account agreement, itemized charges, or ownership chain ever produced. This violates : FDCPA 809 ( a ) : Failure to provide debt validation upon request FCRA 611 : Lack of resolution despite consumer disputes Metro 2 : Reporting inconsistencies and inaccurate status updates XXXX. XXXX XXXX XXXX ( {$290.00} XXXX XXXX ) This is an alleged collection account for a gym membership that I have no recollection of authorizing. It is being reported as an open collection but contains no payment history, no documentation, and no proof of consumer liability. This account has also never been validated despite requests. This violates : FCRA 609 ( a ) ( 1 ) : No contract or supporting documentation provided FCRA 1681e ( b ) : Reporting of unverified and inaccurate data FDCPA 809 : Failure to validate the debt These accounts are collectively damaging my credit profile, reducing my access to financial opportunities, and creating undue hardship especially given that I am a documented victim of two major data breaches which place me at heightened risk for inaccurate reporting and identity compromise. The repeated furnishing of unverifiable and inaccurate data after formal disputes rises to the level of willful noncompliance under FCRA 1681n, which entitles me to relief and enforcement support. 

I am not requesting a simple correction I am demanding permanent deletion of these accounts due to failure to verify, failure to comply with federal consumer protection laws, and continued furnishing of materially misleading information. 

I respectfully ask that the Consumer Financial Protection Bureau investigate these violations and compel the furnishers and credit reporting agencies involved to immediately and permanently delete the above-listed accounts from all consumer reporting databases under their control. Furthermore, I request a full written response and resolution summary for each furnisher named above. 

Thank you for your attention to this matter.

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