Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am filing this formal complaint against Experian regarding the presence of multiple collection and charge-off accounts on my credit report that I believe are either inaccurate, unverifiable, or improperly reported. The continued appearance of these accounts has caused significant harm to my creditworthiness, including the denial of recent credit applications, unfavorable loan terms, and undue emotional and financial stress. 

The items at issue are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$1000.00} These accounts raise serious concerns under the Fair Credit Reporting Act. Several show a {$0.00} balance yet are still classified as derogatory entrieseither charge-offs or collectionswhich misrepresents my credit status and damages my credit profile. According to XXXX XXXX. XXXX ( b ), Experian has an obligation to ensure the maximum possible accuracy of information included in my file. Any failure to maintain such accuracy, especially when an account has been paid, settled, or otherwise resolved, is a clear violation of this provision. 

Additionally, some of these items were previously disputed, yet no sufficient reinvestigation was performed, or no documentary evidence was provided verifying their validity. Under XXXX XXXX. XXXX ( a ), the credit bureau must conduct a reasonable reinvestigation and remove or correct any information that can not be verified. The burden lies with Experian to either validate these derogatory accounts with concrete, original documentation ( e.g., billing statements, signed contracts, legal notifications ) or remove them from my credit file altogether. 

The presence of these accounts in their current formespecially those showing no remaining balance or without proof of accurate reportingis misleading, damaging, and inconsistent with FCRA guidelines. These entries give creditors and lenders the false impression that I am a high-risk borrower with unresolved delinquent accounts, which could not be further from the truth.

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