Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for reporting inaccurate, outdated, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes and requests for investigation, Experian has continuously failed to maintain accurate and verifiable information on my credit profile, which is causing ongoing and irreparable harm to my financial well-being, creditworthiness, and peace of mind. I am now requesting CFPB 's intervention to ensure full compliance with federal laws and immediate correction and deletion of the erroneous data from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/year> | Balance Owed : {$8800.00} | Status : Charge-off Issue : This account is being inaccurately reported as a charge-off, with an unpaid balance of {$8800.00}. I have no recollection of this account, was never properly notified of any debt owed to this company, and was not given any opportunity to verify, validate, or dispute this alleged debt prior to the reporting. There is no documentation provided by Experian or the furnisher to support that this debt is valid, accurate, or that it even belongs to me. Moreover, this entry lacks a clear chain of custody, assignment, or ownership proof. Reporting such a negative tradeline without proper investigation and verification severely impacts my credit standing and is a direct violation of the law. 
Law Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) Experian has failed to follow reasonable procedures to assure maximum possible accuracy of the information in my report. FCRA ( 15 U.S.C. 1681i ) Experian failed to conduct a reasonable reinvestigation after being notified of the dispute. FDCPA ( 15 U.S.C. 1692g ) I was not provided a proper debt validation notice from the furnisher before reporting. 
XXXX : This false and derogatory entry has significantly harmed my credit profile, making it difficult to secure housing, auto financing, and even employment opportunities. I have suffered mental and emotional distress due to Experian 's negligence in handling my dispute with due diligence. The continued presence of this unverifiable charge-off implies bad faith, unfair reporting practices, and a total disregard for consumer rights. I have made repeated attempts to resolve this issue directly with Experian and have received generic responses or no adequate resolution. I am therefore requesting that the CFPB require Experian to delete this account from my credit report immediately unless they can provide full documentation proving the debt 's validity, ownership, and proper notification per federal law.

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