Consumer complaint received 2025-05-18 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 writing to formally dispute several inaccurate, misleading, or unverifiable items on my credit report under the Fair Credit Reporting Act ( FCRA ). The presence of these accounts is not only damaging to my creditworthiness but also violates my rights as a consumer under FCRA 607 ( b ), 611, 623, and 604 ( a ).

Please consider this a direct request for reinvestigation and deletion of any item that can not be 100 % verified with accurate documentation. 
XXXX XXXX XXXX XXXX  Account # XXXX * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$480.00} Status : Charge-Off Issue : FCRA Violation Inaccurate reporting of charge-off without full payment history or documentation.

Action Requested : Delete if full documentation and legal validation can not be produced. 
XXXX. XXXX XXXX XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX High Balance : {$510.00} Status : Charge-Off Issue : FCRA Violation Potentially misreported charge-off ; no notice of debt validation received.

Action Requested : Delete or validate with contract, payment ledger, and charge-off notice. 
XXXX. XXXX XXXX  Account # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$720.00} Status : Late Payment Issue : FCRA Violation Late payment may have occurred during financial hardship ; no supporting documents provided. 
Action Requested : Remove if not fully validated and lawfully reported. 
XXXX XXXX XXXX XXXX Account # XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$530.00} Status : Late Payment Issue : Duplicate account under multiple identifiers ; violates FCRA 607 ( b ) requiring maximum accuracy.

Action Requested : Remove duplicate or conflicting entries. 
XXXX. XXXX XXXX XXXX Account # XXXX * Date Opened : XX/XX/XXXX High Balance : {$620.00} Status : Collection Issue : FCRA & FDCPA Violation Debt never validated or acknowledged ; collection reported without notification. 
XXXX Requested : Delete this item unless XXXX can verify ownership and balance with original creditor records. 
XXXX. XXXX XXXX XXXX Account # XXXX * Date Opened : XX/XX/XXXX High Balance : {$1100.00} Status : Collection Issue : FCRA Violation Reporting appears premature and potentially inaccurate ; no consent or validation notice received.

Action Requested : Remove immediately unless verified with complete records and validation letter.

Under federal law, specifically the Fair Credit Reporting Act, I am entitled to : FCRA 607 ( b ) : Accurate, complete, and up-to-date reporting FCRA 611 : Right to dispute and reinvestigate any item FCRA 623 : Right to hold furnishers accountable for incomplete or incorrect reporting FCRA 604 ( a ) : Right to protection against inquiries or reporting without consent or permissible purpose Any account or inquiry that can not be fully verified with original documents and written proof must be permanently deleted from my credit report. This is not a requestit is a legal obligation on your part. 
I have faced serious financial challenges, including medical emergencies and unexpected job loss, which impacted my ability to keep up with certain obligations. Despite these setbacks, I have worked hard to rebuild. These outdated and disputed entries are now preventing me from accessing the most basic financial necessitiessafe housing, affordable transportation, and employment opportunities. 
I am not asking for a handout. I am asking for fair and lawful reporting as outlined under federal consumer protection statutes. All I seek is a chance to move forward without inaccurate and harmful entries unjustly weighing down my credit profile.

1. A complete reinvestigation of the accounts listed above 2. Deletion of all unverifiable, inaccurate, outdated, or duplicate items 3. A written summary of your findings 4. A corrected copy of my credit report within 30 days of receipt of this letter, as required by law If these items remain on my report without proper verification, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies under FCRA 616 and 617. 
Thank you in advance for your timely attention to this matter. I trust you will act in good faith and in accordance with the 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