Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally lodge a complaint against multiple furnishers and credit bureaus whose failure to report accurate information has severely harmed my life and financial stability. These errors, omissions, and misleading credit entries have not only interfered with my ability to work, rent, and build credit XXXX. XXXX XXXX - Date Opened : XX/XX/XXXX - Charge-Off Balance : {$130.00} - Last Payment : XX/XX/XXXX - Issue : This account continues to show monthly " CO '' charge-off notations through XX/XX/XXXX despite no new payment activity. This suggests improper re-aging and inaccurate data. 
- Impact : I was denied approval for employment with XXXX and XXXX due to my credit screening showing persistent, unresolved delinquency. The reporting undermines my efforts to work legally and earn an incomethis has direct criminal justice implications for those attempting financial rehabilitation through legitimate work. 

-- - XXXX. XXXX XXXXXXXX XXXX - Date Opened : XX/XX/XXXX - Charge-Off Balance : {$610.00} - Last Payment Made : XX/XX/XXXX - Issue : This account has been closed since XX/XX/XXXX, yet it continues to report charged-off updates through XX/XX/XXXX. 
- Impact : The lingering balance and mixed remarks ( " XXXX '', " XXXX '' ) mislead reviewers and have blocked me from opening a secured bank account. I was also denied for local rental housing due to this active-looking derogatory debt, causing housing insecurity and further stress. 

-- - XXXX. XXXXXXXX XXXX XXXX / XXXX - XXXX : {$1800.00} and {$3200.00} - Status : Deferred - Issue : Despite valid federal deferment under the CARES Act, late payments and " DRC/PDE '' remarks continue to be shown. These are false and should have been reported as current per federal law. 
- Impact : These incorrect lates have dragged down my credit score, reducing eligibility for income-based repayment plans and future educational financing. This undermines my right to rehabilitation through education and has even led to rejection by some employers requiring a clean financial record for federal work. 

-- - XXXX. XXXX XXXX - Date Closed : XX/XX/XXXX - Reported Balance : {$0.00} - Issue : XXXX is reporting the account as Paid, Closed yet still indicates XXXX  days past due, contradicting its actual status. 
- Impact : A mere {$0.00} balance tagged with a XXXX delinquency renders my credit profile misleading and hostile to lenders, blocking me from accessing even basic tools to rebuild financial wellness. This affects my ability to support dependents and access low-limit credit rebuilders. 

-- - XXXX. XXXX XXXX - Balance : {$380.00} - Original Creditor : XXXX XXXX XXXX XXXX XXXX- Date Placed for Collection : XXXX - Issue : I have disputed this debt repeatedly and XXXX has failed to produce validation. The reporting continues as PLACED FOR COLLECTION. 
- Impact : Ive been denied employment, denied apartment applications, and told I must pay this unvalidated debt before being reconsidered for approval. Their failure to mark this tradeline as disputed violates FDCPA and misrepresents my legal position. 

-- - XXXX. XXXX XXXX XXXX- Balance : {$270.00} - Original Creditor : XXXX XXXX XXXX - Issue : Marked disputed but continues to report monthly without verification.Impact : XXXX false portrayal of this debtand their refusal to remove outdated datahas negatively affected my job prospects in rideshare apps and credit-based background checks, causing severe disruptions in my income stream. Broader Harm and Request for Relief These inaccurate tradelines have created a cascade of denials and degradation of opportunity : - Ive been denied employment, housing, credit accounts, and legal income routes. 
- Ive faced loss of livelihood, limited ability to access secure housing, and repeated reputational harm due to false or unverifiable credit entries. 
- Attempts to resolve these issues via direct dispute, written requests, and certified mail have gone ignored or rejected. 

The combined result is persistent harm, both financial and emotional, that continues despite my good faith efforts to comply with all laws and procedures. I now turn to the CFPB for help compelling these furnishers and reporting agencies to comply with the Fair Credit Reporting Act, FDCPA, and applicable protections under federal and Mississippi law.

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