Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$960.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : The account is marked as charged off without proper validation.

Story : I have never received any original documentation or validation for this account. Statements and records that prove I am the responsible party have not been provided. This inaccurate reporting is harming my credit score and my ability to obtain credit. A chargeoff without proof is incomplete and misleading, violating FCRA accuracy requirements.

Instruction : Delete immediately if validation can not be provided. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : The chargeoff status is being reported without verified documentation of liability.

Story : I dispute this entry because the creditor has not provided original signed contracts, accurate statements, or other documentation that proves I am liable. Without verification, this account is incomplete, misleading, and unlawfully reported. The chargeoff inaccurately portrays my payment history.

Instruction : Please delete this account if proper verification can not be produced. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Type : Chargeoff Law : FCRA 602 ( A ), 611 Issue : Account is unverifiable and reported inaccurately.

Story : I have never received verification showing I am responsible for this account. Statements, account agreements, or original contracts are missing. This account is being reported inaccurately, lowering my credit score and misleading lenders. Reporting unverifiable information violates FCRA 611 requirements.

Instruction : Delete immediately if no documentation exists. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Type : Chargeoff Law : FCRA 602 ( A ), 607 ( B ), 611 Issue : Reporting as a chargeoff without accuracy and validation.

Story : I dispute this account because I have not received proof of ownership, signed agreements, or billing statements. This account is damaging my credit profile and misrepresents my creditworthiness. Continuing to report unverified information is a violation of the FCRA.

Instruction : Remove if unverifiable. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Chargeoff Law : FCRA 602 ( A ), 611 Issue : Account shows chargeoff with {$0.00} balance which is contradictory and misleading.

Story : Reporting a chargeoff with no balance owed is inherently inaccurate and misleading. This incomplete information misrepresents my financial responsibility and violates FCRA accuracy rules.

Instruction : Delete this entry immediately as it is incomplete and unverifiable. 

Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Type : Chargeoff Law : FCRA 602 ( A ), 609, 611 Issue : Account is marked charged off with balance but no signed agreement has been provided.

Story : I dispute this account because no signed documentation, original contracts, or billing statements have been provided. The reporting is inaccurate and harmful to my credit. FCRA requires that unverifiable information be deleted.

Instruction : Please reinvestigate and remove if unverifiable.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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