Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and the data furnishers listed below for reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my attempts to resolve these matters directly, the issues remain unresolved and continue to harm me financially, emotionally, and professionally. I am requesting that the CFPB investigate these violations and compel the furnishers and bureaus to correct or delete the following information. 
XXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Issue : This account is inaccurately reporting as a charge-off Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This account was not properly validated and I was not notified adequately prior to the charge-off. I dispute the accuracy of this item as it does not reflect the correct account standing. I demand full validation of this account and removal of any unverified data. 
XXXX XXXX XXXX XXXX Charge-Off Issue : Incorrect reporting and lack of full verification Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Explanation : This account was listed as charged off without fair warning or adequate communication. I have reason to believe this is either misreported or misattributed, and I was not provided with the opportunity to resolve or dispute the debt prior to this derogatory status. 
XXXX XXXX * * Collection * * Issue : This debt was never validated Law : FDCPA 809 ( b ), FCRA 611 ( a ) Explanation : I never received a validation notice regarding this debt, and I dispute its legitimacy. Under the FDCPA, any debt in collections must be verified upon request, and failure to do so requires its removal. 
XXXX  XXXX XXXX * * Collection * * Issue : Reported without validation or consumer acknowledgment Law : FCRA 609, FDCPA 809 ( b ) Explanation : This collection account appears on my credit report with no record of prior notification or proof of debt. This violates my rights under the FCRA and FDCPA to dispute and receive proper documentation. 
XXXX XXXX XXXX XXXX * * Collection * * Issue : Duplicate or inaccurate reporting by collection agency Law : FCRA 604 ( a ) ( 3 ) ( A ), 611 ( a ) Explanation : This debt may be a duplicate or error entry from the same original creditor. It has caused confusion and damage to my report. I never received proper validation, which violates federal consumer protection laws. 
XXXX XXXX XXXX XXXXXXXX * * Charge-Off * * Issue : Reported as charged-off despite being paid or settled Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account was previously resolved, yet continues to be reported inaccurately. This misreporting must be corrected immediately to reflect accurate and truthful payment status. 
XXXX XXXX XXXXXXXX XXXX * * Charge-Off * * Issue : Inaccurate charge-off reporting with balance inconsistencies Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This item is being reported with incorrect details, including balance and status. I was not given an opportunity to validate or resolve the matter before the derogatory action. 
XXXX XXXX XXXX XXXX  XXXX * * Charge-Off * * Issue : Unfair reporting after account closure Law : FCRA 611 ( a ), 605 ( a ) Explanation : The account was closed with a payment agreement, yet it still shows as charged-off. This reporting is damaging and misleading, violating my right to fair and accurate reporting. 
XXXX XXXX * * Charge-Off * * Issue : Misrepresented as charge-off while in repayment discussion Law : FCRA 609, FDCPA 807 ( 8 ) Explanation : I was actively communicating with this lender about repayment options, and it was prematurely charged off. This is a misleading and unfair practice that does not reflect good faith effort. 
XXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Issue : Account was settled but listed as charged-off Law : FCRA 609 ( a ) ( 1 ), 607 ( b ) Explanation : This account was resolved with the creditor, yet it remains reported as charged-off, which is inaccurate and misleading. This must be updated to show the accurate resolution. 
XXXX XXXX XXXX XXXX * Charge-Off * * Issue : Wrongly charged off with no contact attempt Law : FDCPA 809 ( b ), FCRA 611 Explanation : I never received any contact or collection notice from Affirm before this status appeared. This is unfair reporting and against federal consumer law. 
XXXX  XXXX XXXX * Charge-Off * * Issue : Incorrect charge-off reporting on {$0.00} balance Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account shows a {$0.00} balance but is still being reported as charged-off, which is misleading and inaccurate. It appears to be an error or outdated information. 
All of these issues have caused me significant financial damage, including denial of housing, elevated interest rates, and emotional distress. I am requesting the CFPB to take immediate action against the involved furnishers and credit reporting agencies for failing to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Please instruct the data furnishers to provide complete validation of each account or permanently delete these unverifiable and inaccurate items.

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