Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am submitting this formal complaint regarding multiple inaccurate, incomplete, and unverifiable items being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated attempts to dispute and resolve these inaccuracies, they continue to be reported by furnishers and credit bureaus without proper investigation or validation. These inaccuracies have severely damaged my credit score, limited my access to financial products, and caused me emotional and financial distress. 
XXXX XXXX XXXX XXXX, VA XXXX Issue : This address is false and not linked to my identity Law : This violates the FCRAs accuracy provision under 1681e ( b ), and continued reporting without verification also violates 1681i Story : I have repeatedly requested correction but the address still appears, disrupting my credit applications and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account reported as charge-off but no proper validation or original documentation has been provided Law : 15 U.S. Code 1692g ( b ) requires debt validation under FDCPA, and FCRA 1681s-2 prohibits reporting unverifiable data Story : This account has been unjustly charged off without sending me proper billing notices or allowing a reasonable dispute timeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This charge-off status is being reported inaccurately, and I was not provided due process or validation Law : Under FDCPA 809 ( b ) and FCRA 1681i, the information must be verified and corrected if inaccurate Story : I was in active communication regarding hardship assistance, yet the account was charged off without acknowledgment of my efforts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This is a collection account being reported without a proper chain of title or validation Law : FCRA 1681b requires a permissible purpose for reporting, and FDCPA 809 ( b ) demands debt validation Story : The collection agency has not provided any proof that they own or have authority over this debt, and still continue damaging my profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection entry appears without any supporting documentation or notice Law : FDCPA 809 ( b ) requires verification before reporting, and continued reporting without proof is a violation of FCRA 1681s-2 Story : I have requested details on this debt multiple times and was never provided any documents or billing statements to substantiate the amount claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reported as a charge-off despite my attempts to resolve the account through hardship or settlement Law : FCRA 1681i and FDCPA 809 ( b ) mandate proper investigation and consumer rights to dispute and resolve debts Story : I was laid off during the pandemic and made several efforts to enroll in hardship plans. Despite that, the bank chose to charge off my account without proper review or accommodation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} Issue : Charged off without proper notification or payment options offered Law : FCRA XXXX ( b ) and FDCPA XXXX ( false representation of debt ) Story : I never received billing statements or a chance to bring this account current. I was unaware it had gone into charge-off until it damaged my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} Issue : This collection account is being reported without a signed contract or full validation Law : FDCPA XXXX ( b ) mandates written debt validation and consumer rights to dispute within 30 days Story : The reporting party failed to show proof of ownership or authority to collect this debt and never responded to my validation request, yet they continue to report it derogatorily I respectfully request the Consumer Financial Protection Bureau to investigate these matters and hold the reporting agencies and furnishers accountable for failing to meet their legal obligations under FCRA and FDCPA. I am requesting the immediate deletion or correction of all the inaccurate addresses and derogatory accounts mentioned above. I also request that any furnisher who fails to validate the disputed information be prohibited from reporting the data further. 
I am prepared to provide identification documents, address proof, prior disputes, and any other supporting evidence required.

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