Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. EXPERIAN is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), GEORGIA STATE CONSUMER PROTECTION LAWS, and US FEDERAL LAW by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately.

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} This account is reported as CLOSED and CHARGED OFF, yet the chargeoff status has not been validated with proper documentation. EXPERIAN is in violation of FCRA 1681i for failing to delete unverifiable information, GEORGIA STATE LAW O.C.G.A. 10-1-391 prohibiting unfair or deceptive practices, and US FEDERAL LAW by allowing inaccurate chargeoff reporting. Without proof of accuracy, this derogatory entry must be removed.

Provide the actual documentary evidence and Method of Verification used to validate these alleged delinquencies, including payment history records, billing statements, and furnisher certifications that justify such derogatory marks under federal guidelines. 

XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} This account is reported as CLOSED and CHARGED OFF, yet EXPERIAN has not provided evidence to justify this negative reporting. FCRA 1681s-2 prohibits the reporting of inaccurate or unverified information, GEORGIA STATE LAW prohibits misrepresentation of account status, and US FEDERAL LAW prohibits false credit reporting. This entry is damaging and must be deleted if it can not be verified. 

XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$11000.00} This account is reported with MULTIPLE 30/60/90/120/180DAY LATE notations across XXXX through XXXX, which is excessive, inconsistent, and not supported by verifiable evidence. EXPERIAN is in violation of FCRA 1681e ( b ), GEORGIA STATE LAW against deceptive trade practices, and US FEDERAL LAW by permitting repetitive, unverifiable derogatories. The reporting of such extensive late payments without clear validation is inaccurate and unlawful. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$5300.00} This CLOSED CREDIT CARD account is reported as CHARGED OFF with a {$5300.00} balance, yet EXPERIAN has not validated this chargeoff. This constitutes a violation of FCRA 1681i, GEORGIA STATE LAW O.C.G.A. 10-1-393, and US FEDERAL LAW regarding accuracy in consumer reporting. Continuing to report unverifiable information demonstrates noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$6600.00} This CLOSED CREDIT CARD account is reported as CHARGED OFF with a {$6600.00} balance, yet no proper verification has been provided. EXPERIAN is in violation of FCRA 1681e ( b ), GEORGIA STATE LAW against unfair reporting practices, and US FEDERAL LAW by continuing to publish inaccurate and damaging data. Such derogatories must be deleted if they can not be lawfully substantiated. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX BALANCE {$15000.00} This CLOSED CREDIT CARD account is reported as CHARGED OFF with a balance of {$15000.00}, yet EXPERIAN has failed to validate the chargeoff with supporting documentation. This violates FCRA 1681i requiring reinvestigation, GEORGIA STATE LAW prohibiting deceptive practices, and US FEDERAL LAW on accuracy standards. Inaccurate chargeoff status must be removed. 

XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$12000.00} This account is reported as CLOSED and CHARGED OFF with a {$12000.00} balance, but the chargeoff status is unverified. EXPERIAN is in violation of FCRA 1681s-2, GEORGIA STATE LAW prohibiting deceptive misrepresentation, and US FEDERAL LAW ensuring consumer protection against false reporting. Continuing to report unverifiable derogatories is unlawful. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE $ {$7600.00} This CLOSED CREDIT CARD account is reported as CHARGED OFF with a {$7600.00} balance, yet no substantiating evidence has been provided. This constitutes violations of FCRA 1681e ( b ), GEORGIA STATE LAW prohibiting unfair and deceptive acts, and US FEDERAL LAW requiring accuracy in credit reporting. Such reporting must be corrected or deleted.

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