Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by several furnishers and consumer reporting agencies. I have previously attempted to resolve these issues by directly disputing with both the furnishers and the credit bureaus, but they have failed to provide proper validation or conduct reasonable investigations. These inaccurate entries are damaging my credit score, reputation, financial opportunities, and causing ongoing emotional and financial hardship XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Status : Charge Off Issue : This account is inaccurately being reported as a charge-off without proper validation or documentation. I have not received any lawful notice of default or accurate debt verification Law Violated : FCRA 1681i, 1681s-2 ( b ) ; FDCPA 807, 809 ( b ) Story : I have repeatedly contacted XXXX XXXX  for proper validation and documentation regarding this alleged debt. They failed to provide any signed contract, detailed billing history, or explanation for the charge-off. This false reporting has caused serious damage to my credit profile and led to several denials in credit applications. This is a clear violation of my consumer rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Status : Charge Off Issue : The account is inaccurately listed as a charge-off with no proof of delinquency or debt validation provided despite my formal disputes Law Violated : FCRA 1681i, 1681e ( b ), 1681s-2 ( b ) ; FDCPA 807, 809 Story : I contacted XXXX XXXX XXXX  for full debt verification XXXX but they refused to provide supporting documents. Despite the absence of proper validation and no contract evidence, they continue to report this as a charge-off. This is highly misleading and has harmed my creditworthiness unfairly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Status : Charge Off Issue : The account shows as a charge-off despite being paid, and no explanation or documentation has been given to support the negative status Law Violated : FCRA 1681s-2 ( b ), 1681i ; FDCPA 807 Story : I completed all payments to Self Financial. They reported the account as charged-off due to what they claim was a system error. They refused to correct the report or provide validation. This inaccurate reporting has lowered my score and caused me to lose financial opportunities XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account reflects a charge-off even though the balance is {$0.00}, which is contradictory and misleading Law Violated : FCRA 1681e ( b ), 1681i ; FDCPA 807 Story : There is no outstanding balance on this account, yet it remains labeled as charged-off. I requested documentation from XXXX XXXX, but no supporting evidence was given. False reporting of a {$0.00} account as a charge-off is unlawful and deceptive under federal law XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : The late payment being reported is inaccurate because all payments were made on time through auto-pay Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Story : I was enrolled in automatic payments and have bank statements proving timely payment history. Despite providing proof, XXXX XXXX XXXX refused to investigate or correct the report. This is reckless and violates my right to accurate reporting under FCRA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is inaccurately showing late payments that were never missed. No validation or proof was ever provided Law Violated : FCRA 1681i, 1681e ( b ) ; FDCPA 807 Story : I paid every installment on time and have the records to support that. I have submitted disputes, yet the late marks remain. This reflects negligence by the furnisher and the credit bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} Status : Charge Off Issue : This charge-off is invalid because I never received any notice, bill, or validation of the alleged debt Law Violated : FCRA 1681s-2, 1681i ; FDCPA 809 ( b ), 807 Story : I changed addresses and never received a final bill or notice of default from XXXX. I requested verification of the alleged debt, but nothing was provided. Reporting this as a charge-off without due process or communication is illegal and highly damaging to my credit file Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never lived at or used this address. This may be a sign of file merging or identity theft Law Violated : FCRA 1681e ( b ), 1681b, 1681c-2 Story : The continued presence of this false address has raised fraud flags and caused delays in financial processing. Ive disputed it multiple times, but the bureaus continue to report it, which violates their duty to report accurate information Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is inaccurate and has no connection to me Law Violated : FCRA 1681e ( b ), 1681b Story : This address is appearing in my report without any basis or verification. Ive never applied for or opened credit at this address. Its appearance in my file is a red flag and severely compromises the integrity of my report Unauthorized Hard Inquiry : XXXX  XXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was done without my knowledge, consent, or application for credit with XXXX  XXXX Law Violated : FCRA 1681b ( a ) ( 3 ), Regulation V Story : I did not authorize XXXX  XXXX to pull my credit report. This inquiry was placed without a permissible purpose. It lowered my credit score and was done without any application or prior communication. I have disputed this but it remains on my report, in clear violation of the law Due to the repeated negligence, willful non-compliance, and failure to uphold the responsibilities imposed under the FCRA and FDCPA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) launch a full investigation into these furnishers and compel them to delete or correct all inaccurate, unverifiable, and harmful data. These reporting violations are causing ongoing harm to my life, job search, housing opportunities, and mental health. I request immediate corrective action in compliance 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