Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I am writing to formally dispute multiple collection accounts that appear on my credit report. Under my rights through the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, I respectfully request that an investigation be conducted and that any inaccurate, incomplete, or unverifiable accounts be removed immediately. 
Accounts in Dispute : XXXX XXXX  XXXX Account Number : XXXX Balance : {$7600.00} Charge-off Status : Collection/Chargeoff Potential Violation : Incorrect delinquency reporting timeline XXXX XXXX ( XXXX Accounts ) Account Numbers : XXXX & XXXX Balances : {$4400.00} & {$2500.00} Charge-off Status : Collection/Chargeoff Potential Violation : Marked as " Closed Due to Inactivity '' instead of a legitimate charge-off XXXX  Account Number : XXXX Balance : {$1300.00} Charge-off Status : Collection/Chargeoff Potential Violation : Incorrect delinquency reporting timeline, conflicting with other credit bureaus XXXX Account Number : XXXX Balance : {$5400.00} Charge-off Status : Collection/Chargeoff Potential Violation : Discrepancy in date of last payment and reporting timeline XXXX XXXX Account Number : XXXX XXXX : {$130.00} Charge-off Status : Collection/Chargeoff Potential Violation : Unclear validation of the debt and potential FCRA violations XXXX XXXX Account Number : XXXX Balance : {$3500.00} Charge-off Status : Collection/Chargeoff Potential Violation : Possible misclassification of charge-off timeline XXXX XXXX Account Number : XXXX XXXX : {$6900.00} Charge-off Status : Account in dispute - reported by subscriber Potential Violation : Ongoing dispute not properly investigated or resolved Basis for Dispute : Right to Accurate Information XXXX FCRA, Section XXXX - XXXXXXXX XXXX  XXXX ) : I have the right to obtain and review the information contained in my credit report. I request detailed verification of these accounts, including original agreements, payment histories, and proof of debt validation. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX XXXX. XXXX ) : Given discrepancies among credit bureaus, I request a thorough reinvestigation and correction of any erroneous information. 
Removal of Unverifiable Information ( FCRA, Section XXXX ( XXXX ) - XXXX XXXX. XXXX ( XXXX ) ) : If any account can not be verified with original documents, it must be deleted from my credit report immediately. 
Responsibilities of Information Providers ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : Creditors must ensure reported data is accurate. If they fail to validate these accounts, they must be corrected or removed. 
Compliance with Accuracy Procedures ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ( b ) ) : The presence of conflicting or inaccurate data suggests reasonable procedures were not followed. 
Permissible Purpose for Reporting ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : If any reporting was unauthorized or done in error, it constitutes an FCRA violation and should be addressed accordingly. 
Truth in Lending Act ( XXXX, XXXX XXXX - XXXX XXXX  XXXX ) : Creditors are required to provide clear, accurate disclosures. If charge-offs were misreported, it may violate XXXX. 
Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX Reinforces the requirement of thorough investigations in consumer disputes. 
XXXX XXXX XXXXXXXX XXXX  Highlights the necessity of following proper procedures when reporting debts. 
Request : I respectfully request : A full investigation into each disputed account. 
Removal of any account that can not be fully verified. 
A detailed report on the steps taken in the verification process. 
Consequences of Non-Compliance : Failure to address these requests may be considered an unfair and deceptive practice under UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) and may result in formal complaints with : Attorney Generals Office Federal Trade Commission ( FTC ) Better Business Bureau ( BBB ) Additionally, I reserve the right to pursue legal remedies, including small claims action, if necessary. 
Thank you for your prompt attention to this matter. I look forward to a response within XXXX days, as required under the FCRA.

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