Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and failure to ensure accuracy, completeness, and verifiable reporting of my consumer information. 

My credit reports contains inaccurate, unverifiable, and non-FCRA-compliant negative items. 

Under FCRA 602, 603, 604, 607, 609, 611, 612, and 623, I am exercising my rights to dispute, request reinvestigation, and demand deletion of any data that can not be verified with proper documentation as required by law. 


XXXX. XXXX XXXX XXXX XXXX Charged-off account Experian Reported : Account charged off, {$670.00} written off, multiple ongoing derogatory statuses Opened : XX/XX/XXXX On report until : XX/XX/XXXX FCRA Violations Claimed 623 (

a ) ( 1 ) ( A ) Furnisher is reporting information known to be inaccurate. 623 ( a ) ( 5 ) Wrong date of first delinquency or unverifiable DOFD results in inaccurate obsolescence dates. 607 ( b ) Experian failed to maintain reasonable accuracy procedures.

611 ( a ) Incomplete/insufficient reinvestigation ; data is inconsistent with payment history timelines.

609 ( a ) ( 1 ) No documentation proving the full chain of account ownership or original signed contract.

Facts The payment histories reported contradict balances and dates.

No evidence of legally required validation, contract, or proof this debt is mine.

The charge-off continues reporting month after month, which constitutes re-aging, a violation of FCRA + CFPB guidance. 
XXXX. XXXX XXXX Late payments ( XXXX & XX/XX/XXXX ) Status : Paid/Closed Issues : Reported 30-day and 60-day late payments FCRA Violations Claimed 623 ( a ) ( 1 ) Reporting inaccurate delinquencies.

611 ( a ) ( 1 ) No proper reinvestigation.

607 ( b ) Failure to ensure maximum accuracy.

Facts Payment ledger does not align with reported late dates. 
XXXX XXXX failed to provide documentation when requested. 
Experian did not obtain proper proof during reinvestigation. 
XXXX. XXXX XXXX XXXX XXXX Secured Card Charge-Off Reported : Charged off ; {$900.00} written off Dates : Multiple derogatory codes over years FCRA Violations Claimed 623 ( a ) ( 1 ) ( A ) Reporting inaccurate and conflicting payment histories 607 ( b ) Experian is reporting contradictory information month to month 611 ( a ) Verified without providing required documentation 623 ( a ) ( 3 ) Failure to mark account as disputed when properly disputed Facts Payment history is contradictory across months and years.

No original contract, payment ledger, or accounting statement has ever been provided.

Re-aging is apparent because the charge-off status continues to update. 

4. XXXX XXXX XXXX XXXX Collection Account Balance : {$610.00} Opened : XX/XX/XXXX Type : Debt buyer Original creditor : XXXX XXXX XXXX  FCRA Violations Claimed 623 ( a ) ( 6 ) Debt buyer can not furnish data without proper substantiation.

809 FDCPA cross-violation No validation sent after request.

623 ( b ) Failure to investigate upon dispute.

611 ( a ) Experian verified without providing documentation.

609 ( a ) ( 1 ) No proof of ownership, assignment, contract, or statements.

Facts XXXX is notorious for unverifiable data.

No proof of chain of title has been provided.

Multiple collection months appear even though no validation was ever supplied

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