Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Experian, XXXX, and TransUnion regarding inaccurate charge-off notations that remain on my consumer credit reports in violation of my rights under federal law. This erroneous account include, but are not limited to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} Each of this account is reported as a charge-off, paid charge-off, or settlement accepted, despite the fact that they are either resolved, inaccurate, unverifiable, or otherwise misreported. In many cases, the data furnishers have failed to provide complete validation under an Account Control/Debt Validation ( AC/DV ) request, and the bureaus have not substantiated the accuracy of these entries. Furthermore, there is no evidence of proper securitization records or transfer documentation that would establish the legal right of any party to report or collect on these accounts, raising additional compliance concerns under federal consumer protection law.

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a : This statute requires creditors to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses, particularly after disputes and validation requests, constitutes a violation of this obligation.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 : This law limits the sharing of nonpublic personal information without proper authorization. Reporting false or unverified debt information to third parties ( credit bureaus ) constitutes an unauthorized disclosure of inaccurate private data.

3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) : The FCRA requires that consumer reports contain only accurate, relevant, and verifiable information. Continuing to publish false charge-off statuses after disputes have been submitted, and without sufficient verification, is a violation of this section.

4. FCRA 1681i Failure to Reinvestigate : After I disputed these accounts, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, instead continuing to report the inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy : Reporting unverifiable charge-off accounts, without proof of ownership or assignment, violates the CRAs duty to maintain accurate consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that credit reporting agencies can not simply rely on data furnishers responses when a consumer disputes information ; they have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial data responses represents a clear violation of this standard. 
Requested Resolution I am requesting that the CFPB requires Experian, XXXX, and TransUnion to : 1. Conduct a thorough reinvestigation of the above-listed accounts, including production of full account-level documentation, securitization records, and proof of ownership/assignment.

2. Permanently delete or correct any charge-off entries that can not be fully verified with admissible evidence.

3. Provide me with written confirmation of the results of their investigation and updated credit reports reflecting the corrections.

4. Implement stronger internal procedures to ensure compliance with the Fair Credit Reporting Act and other applicable consumer protection laws.

The continued reporting of these charge-off accounts without proper validation is materially misleading, damaging to my creditworthiness, and a violation of federal consumer rights. I request CFPB enforcement to ensure my reports are corrected and the credit bureaus are held accountable for these unlawful practices.

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