Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against multiple financial institutions and debt collectors for reporting inaccurate, unverifiable, outdated, and harmful information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite previous attempts to resolve these matters directly with the furnishers and credit bureaus, my credit continues to reflect accounts and inquiries that are either incorrect, misrepresented, or unverified.

Below is a detailed breakdown of the disputed accounts and inquiries : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX | Balance : {$5100.00} | Date Opened : XX/XX/XXXX | Late Payment * * Issue : This account is reporting late payments which I believe are inaccurate. 
Law : Under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information.

Story : During the time of the reported late payment, I was under extreme financial stress due to loss of income related to a family emergency involving hospitalization. I contacted XXXX XXXX and believed I was placed under a deferment plan. Despite this, my credit was negatively impacted without clear communication or follow-up. These lates are inaccurate and should be removed. 
XXXX Account XXXX XXXX XXXXXXXX | Balance : {$9000.00} | Date Opened : XX/XX/XXXX | Charge-Off * * Issue : This charge-off does not reflect the payment arrangements I initiated with the creditor. 
Law : According to FCRA 1681i and FDCPA 807 ( 15 U.S.C. 1692e ), inaccurate reporting or misrepresenting the debt status is prohibited.

Story : I attempted to enter into a repayment agreement after losing my job during the pandemic, but XXXX refused to work with me and abruptly charged off the account. I never received written notice of the charge-off, and my attempts to resolve it were ignored. This action was unjust and harmful. 
XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$400.00} | Date Opened : XX/XX/XXXX | Charge-Off * * Issue : The charge-off was reported too quickly after financial hardship discussions.

Law : Under FCRA 607 ( b ), furnishers must ensure the maximum possible accuracy of the information they report.

Story : I had explained to XXXX XXXX that I was dealing with illness-related expenses and requested assistance. I was assured that my case was under review. Yet suddenly, the account was charged off. This sudden reporting was unfair and unexpected, and I never received full validation of the charge-off. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX | Balance : {$7300.00} | Date Opened : XX/XX/XXXX | Charge-Off * * Issue : I was not notified of charge-off status nor provided validation. 
Law : FCRA 611 requires the furnisher to investigate disputes and validate accuracy when challenged.

Story : I was facing a series of financial and personal setbacks, including eviction. I contacted XXXX XXXX multiple times to seek payment flexibility or modification, but they never responded with options. Suddenly the account appeared as charged off. I was denied due process, and this reporting is unjust and harmful to my credit. 
XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Collection * * Issue : I was never notified of this debt nor provided any validation. 
Law : FDCPA 809 ( a ) mandates debt collectors to validate a debt if requested within 30 days.

Story : I was shocked to see this collection on my credit report. I never received a letter, call, or verification. I do not recall owing this amount to any creditor, and I C System failed to verify it when I asked. This unverified and harmful reporting must be deleted. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX | Balance : {$5100.00} | Date Opened : XX/XX/XXXX | Duplicate Entry Late Payment * * Issue : This appears to be a duplicate entry of the same account above. 
Law : FCRA 607 ( b ) requires data to be accurate and non-duplicative.

Story : Duplicate entries of the same negative account inflate my debt and negatively skew my creditworthiness. This account is already reported above and must be removed immediately to prevent double damage to my credit profile.

Hard Inquiries Unauthorized or Without Permissible Purpose Law : Under FCRA 604 ( a ), a hard inquiry must only be made with a permissible purpose and consumer authorization.

Issue : I did not authorize these inquiries nor apply for credit with these companies on the listed dates. 
Story : These inquiries appeared on my report without my knowledge. They were not initiated by me, and I did not provide written or verbal consent for any of them. Their presence is harming my score and must be removed unless the furnishers can provide proof of authorization. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are excessive, unauthorized, and harmful. I request they be removed unless complete authorization records can be produced by the creditors.

Resolution Sought : I request that the CFPB investigates these violations and compels the furnishers and credit bureaus to either validate these accounts and inquiries with proper documentation or permanently delete them from my credit report. I also request sanctions or oversight where applicable due to repeated non-compliance.

These inaccurate reports are causing me substantial harm, including denials of housing and employment opportunities, and mental distress due to the long-standing financial impact.

Thank you for your attention to this matter. I am prepared to provide further documentation if needed.

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