Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to address serious violations of the Fair Credit Reporting Act ( FCRA ) related to multiple inaccurate, misleading, and unverifiable accounts that continue to be reported on my credit file despite my prior disputes and lawful requests for correction. These erroneous entries are causing ongoing harm to my financial standing, violating 15 U.S.C. 1681i and 1681s-2 ( b ), and demonstrating a failure by furnishers and consumer reporting agencies to uphold their statutory duties. Expanded Issues and Legal Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various dates ) XXXX XXXX There are three separate XXXX XXXX accounts reporting as charge-offs with a high balance of {$0.00}. This is not only misleading but factually impossible under typical credit practices. A charge-off implies a loss of funds, which is incompatible with a {$0.00} high balance. This suggests either phantom debt or an automated reporting error. The continued reporting of these accounts constitutes a violation of FCRA 607 ( b ) which mandates maximum possible accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now additionally reported as a charge-off with a {$0.00} balance, this entry is nonsensical and appears duplicative or the result of a broken furnishing pipeline. As no balance was ever utilized, this account should never have reflected derogatory status. No verification of this data has been provided under 611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a charge-off for {$56000.00}, this is one of the most damaging entries. No Form 1099-C has been issued as required by IRS regulations for discharged debts, which implies this charge-off is either incomplete or inaccurate. Without IRS documentation, the reporting furnisher is creating tax ambiguity and exposing me to undue harm in violation of both FCRA and IRS Publication 4681. XXXX Inquiry ( XX/XX/year> ) A hard inquiry was made on this date without my express written authorization, as required under FCRA 604 ( a ) ( 2 ). I never initiated a transaction that would justify a permissible purpose for this inquiry. This constitutes unauthorized access and is further evidence of XXXXXXXX XXXX  systemic misuse of consumer data. These combined misrepresentations have resulted in denials for credit and housing, emotional distress, and loss of financial opportunities. Continued furnishing and reporting of unverifiable, illogical, or legally incomplete account statuses without appropriate reinvestigation or documentation indicates a clear pattern of non-compliance. Requested Relief : Full deletion of the erroneous XXXX, XXXX XXXX, and XXXX charge-off entries. Written verification and explanation of any legitimate basis for these entries, supported by contracts or original creditor records. Immediate removal of the XX/XX/year> inquiry by XXXX. Written acknowledgment of compliance and corrective actions taken under FCRA 611 and 1681s-2 ( b ). I respectfully urge the CFPB to investigate and enforce these matters, as the continuation of such practices is both injurious and unlawful.

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