Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint because I believe multiple entries on my credit reports are being reported inaccurately, unfairly, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as the XXXX XXXX XXXX XXXX. Despite multiple attempts to dispute and resolve these issues directly with the credit bureaus and furnishers, these harmful errors persist, continuing to cause financial injury and distress in my daily life. 

The XXXX XXXX XXXX account ( XXXX * *, opened XX/XX/XXXX ) inaccurately reflects a late payment, even though no verified payment history has been provided to support this derogatory mark. I have made previous requests for the account history and supporting documentation, which have been met with generic stall responses lacking validation, as prohibited by 15 U.S.C. 1681i. 

XXXX XXXX XXXX  ( XXXX * * * *, opened XX/XX/XXXX ) is listed as a charge-off, yet no IRS Form XXXX has been provided, as required for debts that are supposedly forgiven or canceled. The absence of this documentation raises serious concerns under IRS regulations and suggests an improper and punitive reporting practice without lawful finalization of the debt. 

XXXX XXXX XXXX XXXX  ( XXXX * * * and XXXX * * * ) accounts, including one opened as late as XXXX future datereflect repeated late payments. This suggests a clear data integrity issue in violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. How an account can be opened in the future yet already be delinquent remains inexplicable and undermines any presumption of data reliability. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) have also reported late payments without sufficient verification. I have never received lawful notices or breakdowns of these accounts. The burden of proof lies with the furnishers and bureaus, per 15 U.S.C. 1681s-2 ( b ), to validate all entries following a consumer disputethis burden has not been met. 

XXXX XXXX has reported XXXX charge-offs ( XXXX * *, opened XX/XX/XXXX and XXXX * *, opened XX/XX/XXXX ). These charge-offs not only lack lawful IRS issuance for discharge but also continue to update monthly, effectively re-aging the debt in violation of FCRA 1681c and 1681i. This artificially extends the negative impact of the account beyond its legally allowed time frame, further harming my creditworthiness. 

The account from XXXX XXXX ( XXXX *, opened XX/XX/XXXX ) is clearly inaccurate due to the future date and an unjustified charge-off status. Likewise, XXXX ( XXXX * *, opened XX/XX/XXXX ) reflects late payments despite showing a high balance of {$0.00}, which is contradictory and unsupported by transactional evidence. 

The most troubling entry, perhaps, is a collection listed simply as Unknown ( XXXX *, opened XX/XX/XXXX ), which has no identifiable source. Reporting a collection without naming the original creditor is a fundamental violation of FCRA and FDCPA standards, and undermines my ability to dispute or validate this debt properly. 

These inaccuracies have materially harmed me. I have been denied credit, charged higher interest rates, and experienced emotional distress due to derogatory information that lacks lawful basis or proper verification. My attempts to dispute and resolve these matters have been met with form letters, failure to reinvestigate under 15 U.S.C. 1681i, and dismissals that contradict the FCRA 's intent of fairness and accuracy.

I request the Consumer Financial Protection Bureau initiate a formal investigation into these matters, compel the bureaus and furnishers to provide full documentation or remove the disputed information, and take appropriate enforcement action if noncompliance is found. I am also considering legal remedies under 15 U.S.C. 1681n and 1681o, should this harmful reporting persist.

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