Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
After personally reviewing my consumer credit report, I discovered inaccurate and misleading reporting related to the Late Open account reported by XXXX, account number XXXXXXXX XXXX XXXX  showing a balance of {$0.00}, a date opened of XX/XX/XXXX, and a last active date of XX/XX/XXXXXXXX XXXX XXXX The way this account is reported suggests ongoing activity and late status that does not align with my actual account history, usage, or payment behavior. An account showing a XXXX balance while simultaneously being reported as late and recently active creates an inaccurate and confusing representation of my financial responsibility. This directly violates 15 U.S.C. 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, under 15 U.S.C. 609 ( a ) ( 1 ), I have the right to know the source and method used to verify this information, and under 15 U.S.C. 611 ( a ) ( 1 ), I am requesting a full and complete reinvestigation of this account. This inaccurate reporting has negatively impacted my credit score and has caused unnecessary stress and harm. If this account can not be fully verified with complete and accurate documentation, it must be corrected to reflect accurate information in compliance with federal law. 
I am also disputing multiple Charge Off accounts that are being reported in a manner that is incomplete, misleading, and damaging, including XXXXXXXX XXXX XXXX XXXX with a reported balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1200.00}, and XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}. These accounts are reported as charged off without providing clear, consistent, or verifiable payment histories or accurate balances, which creates a false impression of financial loss and default. Reporting charge-offs with XXXX balances or conflicting amounts demonstrates a lack of accuracy and completeness, in violation of 15 U.S.C. 602 ( a ), which emphasizes fairness and accuracy in credit reporting, as well as 15 U.S.C. 611 ( a ), which requires a reasonable reinvestigation of disputed information. The continued presence of these charge-offs has caused serious damage to my creditworthiness and has affected my ability to obtain fair lending opportunities. I am requesting that each charge-off be individually investigated, verified directly with the original creditor, and corrected or updated if the information can not be fully substantiated as accurate and complete. 
Finally, I am disputing several Collection accounts that appear on my credit report with balances and statuses that I do not recognize as accurate or properly validated, including XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX  with a balance of {$550.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX with a balance of {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX with a balance of {$3500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXXXXXX XXXX XXXX with a balance of {$780.00}, and XXXX XXXX  ( Original Creditor : XXXX / XXXX ) XXXXXXXX XXXX XXXX with a balance of {$2900.00}. These collection accounts appear to be reported without proper validation, may reflect incorrect or inflated balances, and in some cases may represent inaccurate ownership or incomplete account histories. Under 15 U.S.C. 611 ( a ), I am entitled to a full reinvestigation of each collection, and under 15 U.S.C. 607 ( b ), only information that is complete and accurate may remain on my credit file. Additionally, I am disputing the XXXX XXXX XXXX inquiry dated XX/XX/XXXX, as I do not recognize or authorize this inquiry, and under 15 U.S.C. 604 ( a ) and 609 ( a ), only inquiries with permissible purpose may be reported. The continued reporting of these collections and the unauthorized inquiry has caused significant financial and emotional distress and has unfairly lowered my credit score. I am requesting that each item be individually reviewed, verified with proper documentation, and corrected if it can not be fully substantiated under federal 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