Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian Information Solutions , Inc . The subject of my complaint involves inaccurate, unverifiable, and misleading information reported on my credit report, causing me financial harm and emotional distress. Despite multiple disputes sent to the credit reporting agencies, the inaccuracies remain unresolved. 

Details of Complaint : Accounts in Dispute : XXXX XXXX XXXX XXXX inaccurately reported as Charge off. 

XXXX XXXX inaccurately reported as Charge off. 



Nature of Dispute : No evidence exists of my agreement or consent for these accounts. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents.

Reporting based on incomplete or derivative records violates 15 U.S.C. 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. 

The credit reporting agencies have not demonstrated their delegation of authority to report " charge-offs '' when they have not properly verified the underlying information as accurate and complete.

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Furthermore, charge-offs are classified as income per the IRS. Income, by definition, can not be reported as a debt or delinquency on consumer credit reports, creating additional inaccuracies in reporting. 

Certificated Security Claim : As the Certificated Security Holder of my estate, I assert the following : Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation.

Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Attempts to Resolve : I sent dispute letters to the credit reporting agencies on XX/XX/year>. 

Each agency failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ). No corrective action was taken, and the inaccurate information remains on my report.

Harm Suffered : Financial harm, including credit denials and increased interest rates.

Emotional distress and reputational damage due to the inaccurate information being disclosed to creditors.

Defamation of character caused by the dissemination of false information.

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