Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
I am submitting this formal complaint regarding multiple accounts inaccurately reported on my credit report, including charge-offs, collections, and bankruptcy. These false reports have caused severe financial and emotional harm, including loan denials, higher interest rates, and persistent stress. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal laws, requesting immediate investigation and correction of these inaccuracies. 
XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Charge Off This account was incorrectly charged off. I had been in consistent communication with XXXX XXXX regarding repayment arrangements, and I have documentation showing my account was current and compliant with all agreements. The false reporting of a charge-off has caused me repeated denials for loans, higher interest rates, and considerable stress trying to clarify this error. XXXX XXXX has failed to provide verification, and their actions violate FCRA 1681s-2 ( a ) regarding accurate reporting. This erroneous charge-off is not only factually wrong but has caused tangible financial and emotional harm. 
XXXX XXXXXXXX High Balance : {$82.00} Date Opened : XX/XX/XXXX Charge Off XXXX reported this account as charged off despite my paying the balance in full years ago. I have proof of payment and previous communication with the creditor confirming account closure. Their failure to correct the record despite my disputes constitutes a violation of FCRA 1681i, which mandates proper investigation and removal of inaccurate information. This inaccurate charge-off has caused confusion, stress, and unjust financial consequences, including difficulties in securing credit cards, auto loans, and other essential financial services. 
XXXX XXXX XXXX High Balance : {$5800.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX inaccurately labeled this account as charged off while I was actively attempting to work out repayment options. I have records of calls, emails, and letters indicating my proactive engagement with the credit union. Misreporting this account violates both FCRA 1681s-2 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and has unfairly damaged my credit reputation. The false charge-off has delayed my ability to secure personal and business credit, disrupted my financial planning, and caused undue stress. 
XXXX XXXX XXXXXXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX inaccurately reported a charge-off on my account despite timely payments and ongoing communication. I have supporting documentation proving consistent account activity and attempts to resolve any discrepancies. Reporting a charge-off that never occurred is a direct violation of FCRA 1681e ( b ) and 1681s-2 ( a ). This incorrect reporting has limited my ability to access credit, forced me to spend hours disputing inaccuracies, and created substantial XXXX  regarding my financial health. 
XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Charge Off XXXX incorrectly reported this small balance as charged off even though I attempted to settle or clarify the account multiple times. They failed to provide any validation of the debt, in violation of FCRA XXXX. This inaccurate charge-off has negatively impacted my credit score, created emotional distress, and prevented me from obtaining necessary loans for urgent needs. I request immediate removal of this false entry. 
XXXX XXXX XXXX High Balance : {$4100.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX falsely reported a charge-off on my account despite documented communication disputing this negative item. I have records of conversations and correspondence showing attempts to resolve discrepancies. Reporting a charge-off that is inaccurate violates FCRA 1681s-2 ( a ) and 1681e ( b ). This false reporting has caused loan denials, increased financial costs, and significant emotional strain. I request CFPB to intervene and ensure the record is corrected. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account shows a charge-off of {$0.00}, despite being fully paid and in good standing. Reporting a XXXX balance as charged off is misleading and violates FCRA 1681e ( b ), which requires accurate reporting. This false reporting has caused confusion, delayed loan approvals, and created emotional distress. Immediate correction is warranted to restore accurate reporting. 
XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX reported this account as charged off despite my regular payments and proactive communication regarding any potential issues. I have records of multiple calls and emails demonstrating my attempts to resolve minor discrepancies. The false charge-off has caused me loan denials, emotional stress, and confusion. This inaccurate reporting violates FCRA 1681s-2 ( a ) requiring accurate reporting, and the misreporting is unjust, misleading, and damaging. 
XXXX XXXX XXXX High Balance : {$6200.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX falsely reported this account as charged off. Despite my repeated attempts to clarify and resolve alleged discrepancies, they failed to provide documentation or validation of any debt. The inaccurate reporting has caused me financial loss, delayed essential credit approvals, and created significant emotional distress. This reporting violates FCRA 1681i, which mandates proper investigation of disputes. The continued presence of this inaccurate charge-off on my report is both negligent and harmful. 
XXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX inaccurately reported this account as charged off while I was actively engaging with the credit union to manage repayment. I have documented communication including emails and letters proving my proactive efforts. Misreporting this account violates FCRA 1681s-2 ( a ) and has resulted in repeated denials for loans, credit cards, and other essential financial services. The false charge-off has caused ongoing financial hardship, confusion, and stress. 
XXXX XXXX XXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX reported this account as charged off inaccurately. I have documented evidence showing attempts to dispute the alleged delinquency and maintain proper account standing. Reporting a charge-off that is false violates FCRA 1681s-2 ( a ) and 1681e ( b ). This false reporting has damaged my credit profile, created financial obstacles, and caused undue emotional strain. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX reported a late payment inaccurately. I have proof of on-time payments and multiple attempts to clarify any discrepancies with the credit union XXXX The false reporting violates FCRA 1681e ( b ) and 1681s-2 ( a ). This single inaccurate late payment has affected my credit score, delayed loan approvals, and caused repeated stress as I try to correct the record. 
XXXX XXXX XXXXXXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX  reported this account as charged off despite my consistent payment history and attempts to resolve any misunderstandings. They failed to provide verification or investigate the dispute as required under FCRA 1681i. This inaccurate reporting has caused denials for auto loans, additional financial costs, and significant emotional distress. The pattern of negligence and misreporting is evident and unacceptable. 
XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX inaccurately reported a charge-off while I was actively managing repayment options. I have documented proof of all communications, demonstrating good faith efforts to maintain my account. Misreporting violates FCRA 1681s-2 ( a ) and FDCPA 1692. The false reporting has severely impacted my creditworthiness, caused financial losses, and created ongoing stress and uncertainty in my personal and financial life. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$6300.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX inaccurately reported this account as charged off. I had consistently made payments and actively reached out to the credit union regarding any potential issues. Despite providing evidence of my payment history and good faith efforts to maintain the account, XXXX XXXX XXXX failed to verify or correct the report. This has caused repeated loan denials, higher interest rates, and substantial emotional stress. The false reporting violates FCRA 1681s-2 ( a ) and 1681e ( b ), as the account was inaccurately represented as delinquent and charged off. 
XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX incorrectly labeled this account as charged off despite my documented efforts to arrange repayment. I have detailed records of phone calls, emails, and letters demonstrating my proactive communication. The misreporting has directly impacted my ability to access credit, caused financial loss, and inflicted emotional distress. The inaccurate reporting violates FCRA 1681s-2 ( a ) and has created ongoing complications with securing essential financial services. 
XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX reported this account as a collection inaccurately. I had established a payment arrangement and disputed the alleged balance through multiple channels. Reporting this as a collection without validation constitutes a violation of FCRA 1681i and 1681s-2 ( a ). The false collection reporting has caused confusion, loan denials, and significant emotional hardship, requiring extensive time and effort to attempt resolution. 
XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX reported this account as charged off incorrectly. I actively communicated with the credit union to manage repayment and provided evidence of my timely payments. Their failure to correct the false report violates FCRA 1681s-2 ( a ) and 1681e ( b ). The misreporting has resulted in financial losses, including denied credit applications and elevated interest rates, as well as stress and XXXX over my credit profile. 
XXXX XXXX XXXXXXXX XXXX Bankruptcy The bankruptcy reported on my credit report is inaccurate or misrepresented. I have documentation challenging the reporting and have repeatedly attempted to dispute this information. Misreporting bankruptcy violates FCRA 1681i, which mandates proper investigation, and 1681e ( b ) regarding accuracy of reporting. This false information has caused severe emotional distress, damaged my reputation, and created significant financial obstacles, including loan denials and higher borrowing costs. 
The cumulative effect of these inaccuracies has been substantial. I have spent extensive time disputing these errors, endured repeated stress and XXXX, and faced tangible financial setbacks. The pattern of negligent and illegal reporting demonstrates violations of my rights under FCRA and FDCPA. 
I request CFPB to immediately : Investigate each of the above accounts, Ensure all inaccurate charge-offs, collections, and bankruptcy information are corrected or removed, Hold creditors accountable for violations, and Provide confirmation once corrections are completed.

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