Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, to dispute inaccurate, incomplete, and unverified information on my Experian credit file. I have identified several items that are either reported in error, not verified properly, or do not belong to me. These entries are harming my creditworthiness, creating unnecessary financial hardship, and are in direct violation of federal law. 

As a consumer, I am entitled to the maximum possible accuracy of my credit file under FCRA 607 ( b ) and the right to have unverifiable information deleted under FCRA 611 ( a ). You are required to conduct a reasonable reinvestigation, provide the method of verification, and correct or delete any inaccurate or unverified information within 30 days. 

Below are the specific items I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Wrong Address Law : FCRA 602A and 607 ( b ) Information must be reported with maximum accuracy. 
Story : I have never lived at this address, and it should not be linked to my file. Wrong addresses can be a red flag for identity theft and may connect me to accounts or activities that are not mine. This is a clear violation of my right to accurate personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Wrong Address Law : FCRA 602A and 607 ( b ) Story : This address is not now and has never been associated with me. Keeping inaccurate addresses in my file misrepresents my personal history and could lead to credit denials or fraudulent activity linked to my name. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602A, 607 ( b ), and 611 ( a ) Story : A {$0.00} balance account should not be labeled as charged-off. This is misleading and suggests delinquency where none exists. Such reporting is damaging to my credit score and is a violation of the FCRAs accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : This account is inaccurately labeled as charged-off despite having no outstanding balance. This type of misreporting creates a false impression of financial irresponsibility. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} * * Issue : Charge Off Law : FCRA 602A and 611 ( a ) Story : The status of this account is reported incorrectly. There is no balance owed, which means the charge-off label is unfounded and should be deleted if it can not be verified with original creditor documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : Reporting this account as charged-off while showing no balance is a material inaccuracy. Such misrepresentation damages my credit profile and must be corrected or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602A and 611 ( a ) Story : This account has no balance yet is labeled charged-off. Without documented proof of delinquency and charge-off status, this entry violates the FCRAs accuracy and verification standards. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602A, 607 ( b ), and 611 ( a ) Story : This account is being reported as a charge-off without verified supporting documentation from the creditor. Without proper validation, this reporting is unlawful and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : Inaccurately reported charge-off status without verifiable documentation. Unless you provide complete account records, this must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA 602A and 607 ( b ) Story : Zero-balance accounts can not be reported as charged-off. This creates an incorrect picture of my payment history, damaging my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Law : FCRA 602A and 611 ( a ) Story : Large balance reported as charged-off without validation. This is a serious error unless supported by original creditor records. If you can not provide proof, this must be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : This account has a XXXX balance but is still reported as charged-off. This is misleading and damaging to my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge Off Law : FCRA 607 ( b ) and 611 ( a ) Story : Zero balance accounts should not be marked as charged-off. This violates the FCRAs requirement for maximum accuracy. 

Conclusion I expect Experian to complete a thorough reinvestigation within 30 days, as mandated by law, and provide the method of verification for each disputed item. If any of these entries can not be fully verified with original documentation, they must be deleted from my report immediately. Failure to comply will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General for enforcement of my rights under the FCRA.

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