Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding several inaccurate and harmful accounts being reported on my credit profile. These accounts are causing me significant emotional distress and financial hardship. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate, complete, and verifiable information being reported. If the information can not be proven, it must be corrected or removed immediately. 

The first account in dispute is XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$150.00} and listed as a charge off * *. This reporting is inaccurate and misleading. A charge off implies a legally enforceable debt that has been written off as uncollectible, but the reporting party has failed to provide documentation validating the debt or the correct balance. By law, under FCRA 609 and 611, I am entitled to proper documentation proving this debt, including original signed contracts and payment history. Without such verification, continued reporting is a violation of federal law and must be deleted. 

The second account is XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, reporting a balance of {$1600.00} as a collection account * *. This entry is highly questionable and damaging. XXXX has a history of purchasing debts without proper chain of title or assignment records. As required under FDCPA 809 ( a ), they must provide validation of the debt, including proof that they own it and the balance is accurate. Instead, they have placed a collection account on my credit file without providing me with the mandatory validation notice within five days of initial communication. This constitutes both FCRA and FDCPA violations, and I demand immediate investigation and deletion of this unverified entry. 

The third account is XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, showing a balance of {$220.00} in collection * *. This reporting is inaccurate and unfair. The account was never properly validated, and no proof of default, late payment history, or original signed agreement has been provided. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Reporting unverifiable information violates this requirement and has damaged my creditworthiness. I request that this account be fully validated with documentation or permanently deleted. 

The fourth account is XXXX XXXX XXXX, related to original creditor XXXX XXXX XXXX, account XXXX XXXX XXXX, opened on XX/XX/XXXX, showing a balance of {$470.00} in collection XXXX XXXX  XXXX XXXX XXXX has been cited numerous times for violating FDCPA rules, and in this case, they have failed to provide me with validation of the debt as required by FDCPA 809 ( b ). The balance reported is inaccurate, and without a signed contract or itemized statement from the original creditor, this reporting is unlawful. Continued reporting without verification is not only misleading but also a direct violation of FCRA 611 ( a ). 

Each of these accounts is damaging my credit unfairly and unlawfully. The reporting parties and the credit bureaus have a legal obligation under FCRA and FDCPA to ensure that any information they place on my credit file is accurate, complete, and verifiable. Since these debts have not been properly validated or verified, they must be immediately deleted from my credit report. 

I request immediate investigation and resolution of these matters. If these errors are not corrected, I will escalate this complaint further through legal action, including filing complaints with state regulators and pursuing remedies available under federal law for damages caused by these violations.

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