Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains serious inaccuracies and unverifiable information that violate my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, 607 ( b ), 609, 611, and 623, consumers have the right to accurate and verifiable reporting, and no company has the right to damage a consumers credit file with false or unauthorized information. The following accounts and inquiries are not accurate, are unverifiable, and are harming my financial standing. 
XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Reported as a Charge Off. This account is being reported inaccurately and in violation of FCRA 607 ( b ) which requires maximum possible accuracy. I never received proper validation of this alleged debt, and the reporting of a charge off without proper substantiation is reckless, harmful, and misleading. The creditor has failed to provide proof that this account belongs to me, and under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher shall knowingly report inaccurate information. 
XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} Reported as a Charge Off. This account reflects the same unlawful behavior. No validation of debt has ever been provided, and the continued reporting of a charge off that is unverified violates my rights under FCRA 611 which requires proper investigation of disputes. The creditor has also failed to ensure accuracy under FCRA 623 ( b ). This has severely impacted my ability to obtain housing, credit, and financial stability. 
XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported with Late Payments. It is unlawful to report late payments on an account with a XXXX balance, as this is misleading and in violation of FCRA 607 ( b ). An account showing {$0.00} balance can not simultaneously carry derogatory late payments without proper validation. This constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( B ). No creditor has provided verifiable documentation proving this delinquency, and therefore this must be removed immediately. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Reported as a Charge Off. XXXX XXXX has failed to provide any verifiable proof that this account is accurate. Under FCRA 609 ( a ) ( 1 ), I have the right to request all documentation and evidence of the original agreement, account history, and ownership. None has been provided, yet this charge off continues to appear on my report. This is reckless and in direct violation of FCRA and the Consumer Financial Protection Bureaus guidelines. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3200.00} Reported as a Charge Off. This is a duplicate and inconsistent reporting of the above account, which is a violation of FCRA 607 ( b ) and FCRA 623 ( a ) ( 2 ). Reporting the same alleged account multiple times with different dates and balances is misleading and materially inaccurate. This false duplication inflates the derogatory impact on my credit file and is unlawful under federal law. 
XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Reported as a Collection. This account is inaccurate and unverifiable. I never received proper validation of this alleged debt under FCRA 609 ( a ) ( 1 ), and no original signed agreement, billing history, or proof of ownership has been provided. Reporting this account as a collection without proper substantiation is reckless and unlawful under FCRA 623 ( a ) ( 1 ) ( A ). This account is damaging my creditworthiness and must be deleted immediately.

Because of these inaccurate and unverifiable reports, I have been denied fair access to credit, suffered emotional distress, and experienced unnecessary financial hardship. I demand that the Consumer Financial Protection Bureau take immediate action to compel the credit reporting agencies and furnishers to delete these items in full compliance with FCRA 611. I further request written confirmation of the results of this investigation.

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