Consumer complaint received 2025-11-06 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:
This is a formal complaint against certain entities that have reported, maintained, or accessed my credit file unlawfully and in violation of federal law. I am requesting a full investigation and immediate corrective actions as the information being reported is inaccurate, incomplete, and unverifiable. My consumer rights under the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ) have been violated by the following entities and their data furnishers. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Status : Charge Off * * This account is being reported as a charge-off, yet no valid documentation or notice of charge-off has ever been received from the original creditor. Reporting unverifiable information violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The balance and charge-off status are unsubstantiated, and the furnisher has failed to validate the debt as required under 609 ( a ) and FDCPA 809 ( b ). I request immediate deletion due to lack of lawful verification and inaccurate data reporting. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Status : Charge Off XXXX XXXX This tradeline reports a charge-off of {$540.00} that can not be verified. XXXX has not provided any supporting documentation or agreement validating this account. This is a violation of FCRA 611 ( a ) and 623 ( b ), which require verification before continued reporting. The balance and account history are inaccurate and misleading, damaging my creditworthiness. This account must be deleted immediately for noncompliance. 

XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$740.00} Status : Late Payment XXXX XXXX This account reports false late payment information that contradicts my payment records. Failure to ensure data accuracy violates FCRA 607 ( b ). The furnisher has not provided any validation in previous disputes, violating FCRA 611 ( a ) and 623 ( b ). Since no legitimate evidence has been produced proving delinquency, I demand permanent removal of this account. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Status : Charge Off XXXX XXXX The reported charge-off balance of {$5100.00} is inaccurate and unverified. No signed credit agreement or billing documentation has been produced. Reporting unverifiable data is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The inconsistencies in date of last activity and payment history demonstrate noncompliance with FCRA accuracy standards. This account must be deleted immediately. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Status : Late Payment XXXX XXXX This account lists late payments that are not supported by any valid records. XXXX XXXX has not verified the delinquency dates or reasons for late reporting, violating FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( A ). Reporting unverifiable data demonstrates negligence under FCRA 607 ( b ). I demand deletion due to insufficient evidence and noncompliance with data accuracy requirements. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Status : Late Payment XXXX XXXX  This student loan account inaccurately reports late payments despite consistent repayment history. The furnisher has failed to update or verify the accuracy of the report following prior disputes, violating FCRA 623 ( a ) ( 2 ) and 611 ( a ). This false delinquency damages my credit reputation and must be removed for failure to maintain accuracy. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Status : Late Payment XXXX XXXX  This account is reported with false late payment information and no supporting documentation has been provided. Failure to validate this tradeline under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) represents willful noncompliance. Reporting unverifiable payment history violates FCRA 607 ( b ), and therefore this account must be deleted immediately. 

XXXX XXXX  Date : XX/XX/XXXX This hard inquiry was made without my knowledge or authorization, violating FCRA 604 ( a ) ( 3 ) which requires permissible purpose. No application or consent exists. I request deletion of this unauthorized inquiry. 

XXXX XXXX  Date : XX/XX/XXXX This inquiry was unauthorized and performed without a permissible purpose, violating FCRA 604 ( a ) and 616. I never gave permission for this credit access, and it must be deleted immediately. 

XXXX XXXX Date : XX/XX/XXXX This inquiry occurred without any authorized credit transaction or written consent. Such unverified inquiries breach FCRA 604 ( a ) ( 2 ) and 611 ( a ). Removal is required immediately. 

XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX This inquiry was unauthorized and performed without my consent. Under FCRA 604 ( a ) and 609 ( a ) ( 1 ) ( A ), credit bureaus must ensure inquiries are legitimate and verified. This must be deleted immediately. 

XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX This inquiry was performed without a permissible purpose or authorization, violating FCRA 604 ( a ) ( 3 ) ( A ). No application exists under my name for this date. I demand permanent deletion.

As a consumer protected under the FCRA and FDCPA, I have the right to dispute any inaccurate, unverifiable, or incomplete information, and you are legally obligated to correct or delete such data promptly. I request that CFPB investigate these violations, compel the furnishers and bureaus to provide proper validation, and ensure the removal of all inaccurate information from my credit profile. I also request written confirmation once corrective action has been taken and that all parties involved are held accountable for failure to comply with federal consumer protection laws.

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