Consumer complaint received 2025-08-21 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Charge Off * * Law : FCRA 611 ( a ) ( 1 ) ( A ) requires deletion of any account that can not be verified within XXXX  days. 
Issue : This account was marked as a charge off without providing legal verification of the debt or proof of ownership. 
Story : I never received original signed contract documentation nor chain of custody records to validate that I am legally responsible for this alleged account. Continued reporting without validation is a direct violation of the law. 
Instruction : Delete this unverifiable account from my credit file immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Charge Off * * Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Issue : The balance and status are inconsistent and no verifiable evidence has been provided to prove accuracy. 
Story : This account is being reported as a charge off without proof of ownership. I have disputed this already and no original documentation or legal assignment papers have been provided. 
Instruction : Remove this unverifiable account from my credit file. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Charge Off * * Law : FCRA 602 ( A ) states inaccurate credit reporting can lead to denial of credit and is unlawful. 
Issue : The account is too old and has exceeded the allowable reporting period if considered delinquent beyond XXXX years. 
Story : Reporting of this account is outdated, misleading, and harmful. No validation has been provided to confirm that this debt is legally reportable. 
Instruction : Delete this obsolete and unverifiable account from my file. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Charge Off * * Law : FCRA 611 ( a ) ( 5 ) ( A ) requires deletion of unverifiable items upon reinvestigation. 
Issue : The same creditor is reporting multiple accounts under different dates and amounts, which is duplicative and misleading. 
Story  : This creates the false appearance of multiple charge offs when only one should exist, causing unfair damage to my credit standing. 
Instruction : Delete this duplicative and unverifiable account from my report. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charge Off * * Law : FCRA 611 ( a ) ( 1 ) obligates deletion of unverifiable or inaccurate information. 
Issue : No original agreement, billing statements, or admissible proof has been provided despite prior dispute. 
Story : This account continues to appear without any supporting legal evidence that it belongs to me. 
Instruction : Delete this unverifiable account from my file. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Charge Off * * Law : FCRA 607 ( b ) requires accurate and verifiable reporting at all times. 
Issue : This account remains unverified and no chain of title or original creditor agreement has been supplied. 
Story : Repeated reporting of unverifiable accounts creates false derogatory information, harming my creditworthiness. 
Instruction : Delete this unverifiable account immediately. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Charge Off * * Law : FCRA 602 ( A ) establishes that credit reporting must not contain inaccurate or misleading items.

Issue : This account continues to be reported despite lack of verifiable documentation.

Story : The bureaus failure to provide validation shows non-compliance with federal law, making this reporting inaccurate and unlawful. 
Instruction : Delete this unverifiable account immediately. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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