Consumer complaint received 2025-05-15 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:
To Whom It May Concern : I am filing this formal complaint against the credit reporting agencies and associated furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The violations include the continued reporting of inaccurate and unverifiable data, improper reinvestigation practices, and reporting of unauthorized inquiries without a permissible purpose. 

Despite multiple dispute attempts, these credit bureaus have failed to fulfill their legal obligations under federal law. Below are the accounts and inquiries that are being reported inaccurately and/or without proper verification : Disputed Accounts : XXXX XXXX XXXX Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Status : Collection Issue : No documentation has been provided to verify the validity or origin of this collection. Per FCRA 1681i, unverifiable data must be deleted. No consumer agreement, proof of assignment, or original billing has been provided. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payments are being reported without any billing statements or evidence of delinquency. Inaccurate reporting violates FCRA 1681e ( b ) ( maximum possible accuracy ). No record has been produced confirming these payment terms. 

XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX Balances : {$990.00} each Dates Opened : XX/XX/XXXX and XX/XX/XXXX Status : Collection Issue : Duplicate listings of the same debt by the same furnisher create confusion and inflate debt liability. This is a deceptive and unfair practice under FDCPA 807 ( 2 ) ( A ) and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX / XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off is being reported without any proof of consumer liability, such as a contract or payment history. No IRS Form 1099-C was issued. This violates FCRA 1681i and may misrepresent tax-related financial records under IRS Pub . XXXX. 

XXXX ( XXXX XXXX ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Status : Collection Issue : There is no validation of debt provided. The consumer has not received notice of debt collection as required under FDCPA 809 ( a ). No signed agreement, billing statements, or itemized charges have been disclosed. 

XXXX XXXX ( XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Status : Collection Issue : This account was never contracted by me. No documentation has been presented showing I owe this debt. It must be deleted under FCRA 1681i unless verified with original source documents. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Status : Charge Off Issue : This charge-off is being reported without documentation. No validation or notice was received. The reporting lacks compliance with FCRA 1681s-2 ( b ). 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} Status : Charge Off Issue : This is a substantial amount and no evidence has been presented that I agreed to or defaulted on this debt. No supporting contract, billing statements, or charge-off validation has been provided. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge Off Issue : Despite showing a {$0.00} balance, this is still reported as charged-off. This is misleading and inaccurate, violating FCRA 1681e ( b ).

Disputed Hard Inquiries : These inquiries appear on my credit report without my authorization and constitute a violation of FCRA 1681b, which requires that all inquiries have a permissible purpose. I am requesting documented proof of my written consent or application for credit in relation to each of the following : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX No application was submitted to any of these entities. If they can not provide permissible purpose documentation, these inquiries must be removed immediately. 

Requested Relief : Immediate removal of all unverifiable or inaccurate accounts listed above.

Elimination of all unauthorized hard inquiries unless verified with proof of permissible purpose.

Enforcement action against the reporting agencies and furnishers for repeated and willful violations of federal law.

Compensatory relief for damages caused by credit denials, stress, and financial hardship.

These ongoing violations are obstructing my ability to secure fair access to credit, housing, and employment, and reflect systemic negligence by the furnishers and bureaus. I urge the CFPB to investigate this matter and hold the responsible entities accountable under FCRA 616 and 617.

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