Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the inclusion of inaccurate personal information, false account reporting, and unauthorized inquiries on my credit file. Despite prior disputes and clear evidence of inaccuracies, these items remain uncorrected, causing significant harm to my credit reputation and financial stability. The bureaus and furnishers are required under FCRA 602 ( A ) and 611 to maintain maximum accuracy and to conduct reasonable investigations, which they have failed to do. 

XXXX XXXX XXXX # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$15000.00} Charge Off * * This account remains unverified with no valid proof of debt, contract, or billing statement from the original creditor. Reporting this item without verification violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Its continued presence damages my credit reputation and must be deleted immediately as it can not be legally verified. 

XXXX XXXXXXXX BANK XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Late Payments * * The alleged late payments have never been verified or supported by official documentation. Under FCRA 607 ( b ) and 623 ( a ) ( 2 ), furnishers must ensure maximum accuracy and can not report unverifiable delinquencies. As this data remains unsupported, it must be removed at once. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX Balance : {$620.00} Date Opened : XX/XX/XXXX Collection * * This account is being reported as a collection without any legal proof of ownership or liability. Failure to provide validation from XXXX XXXX XXXX violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Since no documentation has been presented, this collection must be deleted immediately for being unverified. 

XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * This account reflects a {$0.00} balance while also being marked as a charge off, which is inconsistent and inaccurate. Reporting contradictory data violates FCRA 607 ( b ). XXXX XXXX has failed to validate any legitimate charge off record, and therefore, this account must be removed immediately. 

XXXX XXXXXXXX XXXX Date : XX/XX/XXXX This inquiry was made without my authorization or a permissible purpose under FCRA 604 ( a ). No signed consent or legitimate application exists. This unauthorized access must be deleted immediately in compliance with 15 U.S.C. 1681b ( f ). 

XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized and violates FCRA 604 ( a ) ( 2 ) and 607 ( a ) due to lack of permissible purpose and documentation. Since no evidence supports this access, it must be removed at once. 

I am demanding that all inaccurate information be permanently deleted from my credit reports, including the wrong address, the false charge-off, the unverifiable collection, and the unauthorized inquiry. Furthermore, I request a full investigation into these violations and that proper corrective actions be taken against the furnishers and credit bureaus involved for their negligence and failure to comply with federal law. Under FCRA 616 and 617, willful or negligent noncompliance entitles consumers to damages, and I reserve the right to pursue such remedies if this matter is not resolved.

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