Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and XXXX XXXXXXXX for inaccurate and unlawful reporting on my consumer credit reports. These actions are in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

The credit reporting agencies and furnishers are required to report accurate, verifiable, and complete information. However, the following accounts are reported inaccurately, unverifiable, and misleading, thereby damaging my credit standing and violating my consumer rights. 

XXXX. XXXX Acct : XXXX High Balance : {$240.00} | Date Opened : XX/XX/XXXX | Reported : Late Payment This account is reporting late payments without proper verification or documentation. Under XXXX XXXX. XXXX ( a ), furnishers are prohibited from reporting information that is inaccurate. If XXXX can not provide complete payment history validation, the late payment notations must be removed immediately. 

XXXX. XXXX XXXX Acct : XXXX High Balance : {$5000.00} | Date Opened : XX/XX/XXXX | Reported : Charge Off The reporting of a charge-off is inaccurate and misleading. The furnisher must provide complete records, including charge-off accounting breakdown, payment history, and original agreement. Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to request and receive verification of all information. Until validated, this charge-off must be deleted. 

XXXX. XXXX XXXXXXXX Acct : XXXX High Balance : {$4000.00} | Date Opened : XX/XX/XXXX | Reported : Late Payment This account reflects late payments without verification. As per FCRA XXXX ( b ), furnishers must investigate and correct disputed information. The creditor has failed to provide sufficient proof of these alleged late payments, making the reporting unverifiable. 

XXXX. XXXX FIN Acct : XXXX High Balance : {$21000.00} | Date Opened : XX/XX/XXXX | Reported : Charge Off The charge-off status is inaccurate. XXXX XXXX has not supplied validation or contractual proof authorizing such reporting. Without proof, this entry remains an unverified negative account in violation of FCRA 602 ( A ), which requires maximum possible accuracy. 

XXXX. XXXX XXXXXXXX Acct : XXXX High Balance : {$54.00} | Date Opened : XX/XX/XXXX | Reported : Charge Off XXXX. XXXX  XXXX Acct : XXXX High Balance : {$190.00} | Date Opened : XX/XX/XXXX | Reported : Charge Off Both Affirm accounts report as charge-offs shortly after opening, which is highly suspicious, inaccurate, and unverifiable. Under FCRA 609 and FCRA 623 ( b ), XXXX must provide supporting documentation for these reports. If they can not, both entries must be deleted. 

XXXX. XXXX XXXX XXXX Acct : XXXX High Balance : {$880.00} | Date Opened : XX/XX/XXXX | Reported : Collection This collection account has not been validated as required by the FDCPA 809 ( b ), which grants me the right to request debt validation. To date, no signed contract or account-level documentation has been produced. Until proper validation is provided, this collection must be deleted.

Conclusion & Requested Resolution These accounts are damaging my credit unfairly and without proper verification. The FCRA requires all information to be accurate, complete, and verifiable. The FDCPA requires XXXX XXXXXXXX to provide validation. These furnishers have failed to meet their legal obligations. 

I am requesting the CFPB to investigate these accounts and enforce compliance with the FCRA and FDCPA. I respectfully request that the inaccurate accounts be deleted or corrected immediately.

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