Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern I am filing this formal complaint under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. My rights as a consumer have been violated by multiple furnishers and credit bureaus due to inaccurate, outdated, and unverifiable information reporting on my credit report. I am requesting immediate investigation and removal of the following items due to legal violations, identity errors, outdated data, and failure to verify. Each item is listed below with details and applicable law violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Reported Law : Under the Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to FCRA, consumers have the right to dispute incomplete or inaccurate personal data. 
Story : This incorrect address impacts my credit profile negatively and causes confusion during credit inquiries. The credit bureaus must verify the accuracy of all data they report. Failure to do so violates my rights under federal law and warrants immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$9100.00} Issue : Charge Off Law : According to FCRA Section 623 ( a ) ( 8 ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. 
Story : This account was charged off without proper notification and verification. Charge offs significantly harm credit scores and should only be reported if accurate and validated. I dispute the validity of this charge off as it has caused undue financial damage. I demand validation or removal immediately.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$800.00} Issue : Charge Off Law : Under FCRA Section 611, I have the right to dispute incomplete or inaccurate info. 
Story : The charge off status of this account is inaccurate or unverifiable. This has caused significant damage to my credit score. I request an immediate reinvestigation and removal of inaccurate information.

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Collection Law : F

DCPA Section 809 requires debt validation upon dispute.

Story : This collection was reported without providing required validation notices. I have disputed this debt multiple times without proper response. I demand removal until proper validation is provided. 
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires removal of unverifiable information after dispute. 
Story : This collection account has not been verified despite my dispute. Reporting unverifiable information violates my rights and must be corrected immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Issue : Collection Law : FCRA Section 609 requires accurate and verifiable reporting. 
Story : This collection is either inaccurate or not properly verified. I dispute its inclusion on my credit report and demand correction.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Law : FCRA Section 605 ( b ) requires removal of negative information after 7 years. 
Story : This charge off is beyond the 7-year reporting limit and should have been removed. Its continued presence violates the FCRA. I demand immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2600.00} Issue : Charge Off Law : FCRA and FDCPA require accurate reporting and verification. 
Story : This charge off is disputed for accuracy. I request validation or removal to avoid unjust harm to my credit.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$700.00} Issue : Charge Off Law : FCRA Section 611 entitles consumers to dispute inaccurate information. 
Story : This charge off is inaccurately reported and I dispute it. I request a full investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$750.00} Issue : Charge Off Law : FCRA requires only accurate and verified charge offs. 
Story : I dispute this charge off as inaccurate and request removal or validation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$330.00} Issue : Charge Off Law : FCRA Section 611 and FDCPA require accurate reporting and validation.

Story : This charge off is unverified and inaccurate. I demand removal unless properly validated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$690.00} Issue : Charge Off Law : FCRA Section 609 and 611 protect against inaccurate information. 
Story : This charge off account is disputed for accuracy and I request investigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Law : FCRA mandates removal of negative info over 7 years old.

Story : This accounts charge off status is beyond permissible reporting time. It must be removed. 
Story : This charge off is unverified and I dispute its accuracy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires accurate, verified information.

Story : This collection is disputed for lack of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA mandates removal of unverifiable information. 
Story : This collection is inaccurate and unverifiable. I demand removal. 
Credit Inquiries Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Inaccurate Credit Inquiries Law : FCRA Section 604 ( a ) ( 3 ) limits permissible purposes for credit inquiries ; unauthorized inquiries are illegal.

Story : Many of these inquiries were made without my written consent or permissible purpose. Such unauthorized inquiries harm my credit score and violate FCRA requirements. I demand removal of all inquiries not authorized by me.

I request the CFPB to investigate these violations and ensure permanent deletion of these errors. These entries have damaged my credit score, financial credibility, and caused emotional and financial stress. I am requesting deletion, proper validation, and legal accountability for failure to maintain accurate consumer reporting

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