Consumer complaint received 2025-07-29 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff * * This account is reporting a charge-off status that is inaccurate and unverifiable. I never received any written notice of charge-off, and I do not recall defaulting in the manner alleged.

Law Violation : FCRA 623 ( a ) ( 5 ), FCRA 611 Instruction : Please verify the accuracy, provide all documentation used, or delete it entirely if unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Chargeoff * * This charge-off is reporting without any proper validation. I have not received any debt validation notice or charge-off letter from the creditor.

Law Violation : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Instruction : Please provide verification from original creditor or delete immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Chargeoff * * This account shows a charge-off, which I believe is incorrect and unvalidated. No proper notices or billing statements support this reporting.

Law Violation : FCRA 607 ( b ), FCRA 611 ( a ) Instruction : Kindly investigate and either provide concrete documentation or remove this entry. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Chargeoff * * This account is showing a charge-off with no legitimate documentation or contractual breakdown provided.

Law Violation : FCRA 611, FDCPA 807 ( 8 ) Instruction : Demand for immediate reinvestigation or removal due to unverifiable status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Late Payment * * I dispute the late payment as I made consistent arrangements for deferment. This may be due to reporting error.

Law Violation : FCRA 623 ( a ) ( 1 ), FCRA 607 ( b ) Instruction : Validate the payment history or correct/remove the derogatory marks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Late Payment * * These late payments are inaccurate based on deferment/forbearance agreements. This should not negatively impact my report.

Law Violation : FCRA 623 ( a ) ( 2 ), FCRA 611 Instruction : Please investigate and provide proof or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7600.00} Late Payment * * I had payment plans and grace periods that were not honored during reporting. The status is unfairly harming my credit.

Law Violation : FCRA 607 ( b ), FCRA 609 ( a ) ( 1 ) Instruction : Require full documentation of delinquencies or remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} Late Payment * * Inaccurate reporting of late payments despite forbearance eligibility.

Law Violation : FCRA 623 ( a ), FCRA 611 Instruction : Validate the account history or remove the negative mark. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Late Payment * * This old account is reporting late payments beyond the permissible limits.

Law Violation : FCRA 605 ( a ) ( 5 ), FCRA 607 Instruction : Must be removed as obsolete or incorrect unless properly validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * Negative payment information is either outdated or never occurred.

Law Violation : FCRA 605 ( a ), FCRA 623 ( a ) ( 1 ) ( A ) Instruction : Delete unless verifiable and within the 7-year reporting period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Late Payment * * This entry appears to be erroneously reported as late despite long history of compliance.

Law Violation : FCRA 607 ( b ), FDCPA 807 Instruction : Provide account statements or remove. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX B

alance Owed : {$5200.00} Chargeoff * I have no knowledge of this account, and no validation was ever received. Law Violation : FDCPA 809, FCRA 609 ( a ) ( 1 ) Instruction : Requesting immediate deletion for unverifiable debt. 

XXXX XXXX XXXX XXXX  Inquiry I did not authorize XXXX XXXX  or any associated dealership for a credit pull.

Law Violation : FCRA 604 ( a ) ( 2 ), 609 Instruction : Remove as this negatively impacts credit unfairly
. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized and unexpected. No application was made. Law Violation : FCRA 604, 615 ( a ) Instruction : Delete the inquiry from my credit file
. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Repeated unauthorized hard pull. No permissible purpose exists. 
Law Violation : FCRA 604 ( a ) ( 3 ) ( A ), 611 Instruction : Remove due to consumer rights violation.

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal 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