Consumer complaint received 2025-05-10 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the reporting and handling of several charged-off accounts on my credit report. I believe the actions of the following creditors and/or debt collectors may be in violation of my consumer rights under federal law : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported as charged-off, and I have the following concerns : Verification of Debt ( FCRA 611 & FDCPA 809 ) : I was not properly notified or given full verification of these debts before or after they were charged off or sent to collections. Under the FCRA and FDCPA, I have the right to request and receive debt validation before collection or reporting.

Accurate Reporting ( FCRA 623 ) : Creditors must report accurate and complete information. If any of these accounts were settled, discharged, disputed, or include inflated fees, they must be corrected or removed. Continued reporting without validation may constitute a violation.

Time-Barred or Stale Debt ( FCRA + State Statutes of Limitations ) : If any of these accounts are beyond the statute of limitations for collection or credit reporting ( generally 7 years under FCRA 605 ( a ) ), they must be removed. I request confirmation of the " date of first delinquency '' for each.

Unfair or Deceptive Practices ( FDCPA 807 ) : If collectors are reporting charged-off debts in a misleading or harassing way, or continuing to report after being asked for verification, they may be engaging in deceptive practices.

Charge-Off vs. Collection Clarity : In many cases, debts are charged off but then sold or transferred without clear consumer notice or opportunity to resolve them. This process often leads to duplicate reporting and significant damage to credit in contradiction of FCRAs aim for fairness and accuracy.

I request the following from each creditor or collection agency : Full validation of the debt, including a breakdown of charges and dates.

Date of first delinquency used for credit reporting.

Evidence that proper notice was given before charge-off or collection.

Confirmation that the reported information complies with federal law.

Please investigate these issues and help ensure my credit report is fair, accurate, and in compliance with consumer protection laws.

Thank you for your time and assistance.

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