Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws are being repeatedly violated. The following accounts are reporting inaccurate, misleading, and unfair information on my credit profile, and I am demanding an immediate investigation and correction under 15 U.S.C. 1681i ( FCRA Section 611 ) which requires reinvestigation of disputed information, and 15 U.S.C. 1681s-2 which prohibits furnishers from reporting inaccurate data. Each account is listed below with the specific violations, and I request immediate relief from this ongoing harm XXXX  XXXXXXXX XXXX  High Balance : {$4400.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : This account is being reported as a chargeoff without proper validation or lawful verification under FCRA 609 ( a ) ( 1 ) and 611. I have never received the original signed contract, itemized billing statements, or chain of title proving that XXXX has the right to report this debt. Reporting a chargeoff without substantiating evidence is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Additionally, continuing to furnish this information after dispute is willful noncompliance under FCRA 616. Story : This chargeoff is negatively impacting my ability to access credit, obtain fair housing opportunities, and maintain financial stability. I was never given an adequate opportunity to resolve this debt before it was hastily charged off, which is unfair, deceptive, and misleading. Under FDCPA 807 ( 2 ) ( A ), furnishing false representation of the amount or legal status of a debt is unlawful. This entry has caused lenders to deny me credit cards, housing applications, and even increased my insurance ratesall due to an entry that lacks verification. 
XXXX XXXX XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : This account reflects a chargeoff that I strongly dispute. XXXX XXXX  has failed to provide proof of ownership, legal assignment, and accurate balance calculations as required by FCRA 609 and FDCPA 809 ( b ). The reporting contains inconsistent dates and does not reflect proper accounting of interest or fees. This constitutes inaccurate and misleading reporting under FCRA 607 ( b ). Story : The XXXX XXXX  account was reported without ever sending me a proper validation notice as required under FDCPA 809 ( a ). I was blindsided by this entry when reviewing my credit report, and it has significantly lowered my credit score. I can not even confirm if this balance is correct or if XXXX XXXX  still owns the account. Continuing to report this without resolving my dispute violates FCRA 611, which requires a reasonable reinvestigation. The inaccuracy of dates and amounts has made this account unreliable, and creditors are judging me unfairly based on unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : This account is being reported with late payments that are inaccurate and misleading. The late payment entries do not align with my records and have not been verified properly. Reporting unverifiable late payments is prohibited under FCRA 623 ( a ) ( 1 ) ( A ). I demand full documentation proving the accuracy of each late mark, including billing statements and payment histories. If the creditor can not validate, the information must be deleted immediately. Story : These alleged late payments from XXXX XXXX have created a false impression that I am a chronically delinquent borrower, which is not true. I was facing a temporary financial hardship during that time and attempted to work with the creditor for an accommodation, but instead of helping, they punished me with repeated late marks. This is not only unfair, but under FCRA 602 ( A ), credit reporting must be fair and equitable to consumers. The inaccurate late payments have prevented me from qualifying for mortgage refinancing and have forced me to pay higher interest rates on loans. This is causing long-term financial injury due to an account that should be corrected or removed. 
XXXX XXXX High Balance : {$5100.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : This chargeoff is reported without proper notice or documentation. I was never provided validation under FDCPA 809 ( b ) nor proper adverse action notice. The balance is inflated and contains unverifiable fees, making the reporting inaccurate under FCRA 607 ( b ). Failure to correct this knowingly false reporting subjects the furnisher to liability under FCRA 623 ( c ) and 616. Story : This XXXX XXXX account is reporting a balance far higher than what I recall owing. I was never sent an itemized breakdown, and the company added fees and charges that appear unlawful. By reporting this inflated balance as accurate, XXXX is misleading credit reporting agencies, which violates FCRA 623 ( a ) ( 1 ) ( B ). The chargeoff status has also made it impossible for me to obtain new credit lines, and I have experienced embarrassment and stress when lenders review my file. The lack of transparency, combined with the harm to my reputation, is a clear violation of my consumer rights. 
XXXX XXXXXXXX XXXX  High Balance : {$3400.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : This chargeoff is highly questionable. XXXX has failed to provide proof of contract, legal right to collect, or a clear accounting breakdown. Reporting of this account without proper substantiation violates my rights under FCRA 609 ( a ) ( 1 ). Additionally, the creditor failed to investigate my prior disputes in violation of FCRA 611. This continued misreporting is reckless disregard of accuracy standards required under federal law. Story : This account was reported as a chargeoff even though I had communicated financial hardship and requested arrangements. Instead of working with me, XXXX rushed the account into negative status. This is predatory and unfair. I was never provided a proper dispute investigation, which violates my rights under both FCRA and FDCPA. This account is being used against me by lenders, preventing me from improving my financial situation. Under FDCPA 807 ( 8 ), it is illegal to communicate false information regarding credit. This reporting is false, misleading, and damaging my future. 
XXXX XXXX XXXX  High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Status : Chargeoff Issue : Similar to the above, this account reflects a chargeoff that has not been validated. The balance is inconsistent, and no documentation has been provided to substantiate the debt. This is a violation of FCRA 607 ( b ) accuracy requirements and FDCPA 807 ( 8 ) regarding false credit reporting. Story : This second XXXX account reflects a pattern of harmful and unfair reporting practices. Both accounts were reported as chargeoffs without any transparency or consumer protection steps being followed. I never received full validation notices, account breakdowns, or chain of title proving their right to report. These false reports have damaged my credit profile twice, doubling the harm and making my financial rehabilitation impossible. Reporting unverifiable chargeoffs is willful misconduct under FCRA 616 and I demand immediate removal. 
For all of the above accounts, I am requesting the CFPB to investigate these violations thoroughly, enforce compliance with the FCRA and FDCPA, and require the furnishers and credit reporting agencies to either provide complete validation with original signed agreements and proof of ownership of debt or immediately delete the inaccurate and unverifiable information from my credit file. My rights as a consumer are protected by federal law, and I am demanding full enforcement to stop this pattern of harmful and unlawful 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