Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2400.00} Issue : Charge Off Law : FCRA Section 605 requires all reported accounts to be accurate and verifiable.

Story : This account is listed as charged off, but I never missed payments for more than the allowed period and I was always in contact with customer service. Sadly, due to temporary health and family emergencies, I did fall behind but later cleared everything owed. I made several efforts to update my payment information, but the bank did not consider my situation. Please review this charge off as I am willing to provide more supporting documents or details. 

XXXX XXXX  XXXX Account : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Late Payment Law : FCRA Section 611 gives consumers the right to dispute inaccurate late payments.

Story : There was a delay in receiving an insurance check which caused my payment to be accidentally late. I took immediate steps to make the payment as soon as possible but the late payment was already reported. This was a genuine mistake due to circumstances beyond my control and should be removed. 

XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2500.00} Issue : Charge Off Law : FCRA requires only verified and truly accurate charge offs to appear on a credit report. 
Story : Due to XXXX  and urgent medical expenses at that time, I was unable to pay on time. I notified the bank and provided documentation, and I also requested to enter into a payment plan, but they did not consider my request. This charge off resulted from a difficult financial situation and I expressed readiness to make reinstated payments. 

XXXX XXXX  XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : Charge Off Law : FCRA Section 611 gives me the right to request proof and challenge any unverified charge off.

Story : I have repeatedly requested payment history and documentation from the bank but never received any clear explanation or record. I made payments as per my last invoice and never received advance notice or information of any default. I am demanding a full investigation into this account and require evidence of the charge off. 

XXXX XXXX  XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2100.00} Issue : Late Payment Law : FCRA Section 607 ( b ) requires all data furnishers to maintain maximum possible accuracy.

Story : There was a mismatch between my payment schedule and account statement which I was unaware of because I was traveling abroad most of that month and could not access my mail. Once I returned, I cleared the outstanding payment. The reported late payment was not intentional and should not negatively affect my credit. 

XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$5300.00} Issue : Charge Off Law : Right to dispute under FCRA, credit bureaus must investigate all disputed information. 
Story : My family experienced a serious medical emergency, and because of emergency expenses, this account was temporarily mismanaged. I contacted the bank and requested to enter a payment plan. This charge off resulted solely from temporary hardship and should be investigated. 

XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3400.00} Issue : Late Payment Law : FCRA guarantees the right to challenge any inaccurate or unfair reporting. 
Story : There was a short gap in payments and I contacted the bank to ask for a late fee waiver, but the late mark remains on my report. I always pay my bills on time and this was a one-time exception caused by unforeseen circumstances. This late payment entry should be removed. 

XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Issue : Charge Off Law : FCRA 611 and 623 allow consumers to dispute and demand verification of all negative items.

Story : I called the bank many times requesting payment restructuring due to illness and my need to take care of a family member which made timely payments impossible. The bank did not assist and declared a charge off without considering my situation, even though I was ready and willing to pay. Reporting this negative item without verification is a violation of FCRA.

Final Note : These errors have caused me repeated emotional XXXX, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries. 
2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe.

Thank you for your time and support in helping protect my consumer rights

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