Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am submitting this formal complaint against Experian regarding the inaccurate and inconsistent information reported on my credit report. The data in question directly violates the Fair Credit Reporting Act ( FCRA ), and it continues to harm my creditworthiness despite prior dispute efforts. 
Affected Account ( XXXX ) : XXXX. XXXX XXXX Credit Card ( High Balance : {$1600.00} ) * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} * Past Due Amount : {$1600.00} * Date Opened : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( EX/XXXX  ) * Closed Date : XX/XX/XXXX ( XXXX  only ) * Last Payment : XX/XX/XXXX * Payment Status : Collection/Chargeoff * Dispute Status : Not Disputed on any bureau * Credit Limit : {$1300.00} ( XXXX/EX  ), {$0.00} ( XXXX  ) * Date Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( EX ), XX/XX/XXXX ( XXXX  ) * Remarks : * XXXX : Charged off as bad debt, canceled by XXXX XXXX * EX  : Closed due to inactivity, unpaid balance reported as loss * XXXX : Charged off, closed by XXXX XXXX XXXX. XXXX XXXX Credit Card ( High Balance : {$470.00} ) * Account Number : XXXX * * * * * * * Balance Owed : {$470.00} * Past Due Amount : {$470.00} * Date Opened : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( EX/XXXX  ) * Closed Date : XX/XX/XXXX ( XXXX  only ) * Last Payment : XX/XX/XXXX * Payment Status : Collection/Chargeoff * Dispute Status : Not Disputed * Credit Limit : {$300.00} ( XXXX/EX ), {$0.00} ( XXXX  ) * Date Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( EX ), XX/XX/XXXX ( XXXX  ) * Remarks : * XXXX : Charged off as bad debt * EX : Closed due to inactivity * XXXX : Charged off and closed by creditor Legal Violations and Grounds for Dispute : Under Section 611 of the FCRA, I have the right to dispute any inaccuracies on my credit report and to request a reinvestigation. I formally exercised this right and requested an investigation of the accounts listed above. However, Experian has failed to conduct a reasonable or thorough investigation or correct the discrepancies in accordance with the law. 
The reported accounts contain multiple inconsistencies and discrepancies across the three bureaus : * Different " Date Opened '' and " Date Closed '' * Conflicting " Credit Limits '' * Inconsistent " Account Status '' and " Remarks '' * Missing or conflicting payment history and charge-off status These issues violate multiple provisions of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) Requirement for verification of accounts through original signed documentation.

2. Section 611 Right to dispute inaccuracies and obtain a reinvestigation of any disputed information.

3. Section 623 ( a ) ( 5 ) Obligation to remove unverifiable or inaccurate information not validated by the original creditor.

4. 15 U.S. Code 1681e ( b ) Requirement that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of credit report information. 
Despite my formal request, Experian failed to : * Provide a complete and detailed description of the investigation. 
* Produce any original documentation. 
* Remove or correct unverifiable and inconsistent data. 

Impact of Inaccurate Reporting : As a direct result of this negligent reporting, I have suffered substantial harm : * Damaged credit scores * Denied access to affordable credit and housing * Emotional and financial distress This failure to comply with federal law is not a minor oversightit is a significant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Resolution Requested : I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian complies with federal regulations by : 1. Conducting a full and thorough reinvestigation of the accounts in question.

2. Removing or correcting any inaccurate or unverifiable information.

3. Enforcing compliance with Sections 609, 611, 623, and 1681e ( b ) of the FCRA.

4. Ensuring the bureaus adopt procedures that prevent future harm to consumers.

Thank you for your attention to this matter. I look forward to your response and to the prompt resolution of these violations.

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