Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : Hello, Im here to submit a complaint due to multiple inaccuracies placed on my credit report. These reports are hindering me from the life I desire and deserve! I ask that the CFPB can help guide me to the removal of these discrepancies on my credit report. Below is a detail list of the following items I would like removed. It is my right as an American citizen and I have the specific laws/codes to justify. 

Summary of the disputed items ( documented in my attached credit reports ) : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account charged off ; {$470.00} written off ; Date opened XX/XX/XXXX ; Date closed XX/XX/XXXX. ( See Experian / XXXX attachments. ) XXXX XXXX XXXX XXXX  Account charged off ; charged off amount shown approx. {$18000.00} ; {$18000.00} past due as of XX/XX/XXXX. ( See ExperianXXXX attachments XXXX ) XXXX. XXXX XXXX ( multiple student loans ) Multiple XXXX XXXXccounts reported past-due ( examples : balances {$2400.00} / {$3300.00} / {$3500.00} etc. ) and several accounts showing 120-day past due statuses. ( See Experian and XXXX attachments. ) XXXXXXXX XXXX XXXXXXXX XXXX Placed for collection ; balance {$210.00} ; Creditor can not locate individual. 
XXXX. XXXX XXXX XXXX Collection account for {$470.00} ( original creditor XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX collection accounts : {$890.00} ( XX/XX/XXXX ) and {$2500.00} ( XX/XX/XXXX ). 
XXXX. XXXX XXXX Reported as placed for collection ; balance {$3600.00} ; Date opened XX/XX/XXXX ; Date closed XX/XX/XXXX. 
XXXX. Hard inquiries Multiple hard inquiries appear on my report ( example : XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX and others shown ). I dispute any hard inquiries that were not authorized or were inaccurately categorized. 

( Attached : copies of the Experian, XXXX XXXX XXXX pages showing the above items, with the disputed entries highlighted. ) Legal grounds/ requested relief 1. Accuracy requirement ( 15 U.S.C. 1681e ( b ) ). Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they publish. I assert the information listed above is inaccurate, incomplete, or unverifiable and therefore must be corrected or deleted. Please require the CRAs to comply w

ith 1681e ( b ) and to provide proof that their procedures were followed and that the information was verified as accurate. 2. Reinvestigation and notice ( 15 U.S.C. 1681i ( a ) and ( a ) ( 5 ) ). If a consumer disputes information, the consumer reporting agency must promptly conduct a
reasonable reinvestigation and provide notices as required by 1681i. If the CRAs investigation relied on furnisher responses, I request disclosure of the name ( s ) of furnisher ( s ) contacted, the supporting documents/records they relied on, and a statement of the results and the steps taken. I specifically invoke my rights under 1681i ( a ) ( 5 ) to receive the procedural notices and to be informed of the furnisher ( s ) and the results.

3. Identity-theft block ( 15 U.S.C. 1681c-2 ). While I am not asserting identity theft for every item above, if any
item is the result of identity theft I request that the CFPB require CRAs to immediately block reporting of any such information once appropriate identity-theft documentation is provided ( see 1681c-2 ). If the CRAs refuse to block or otherwise fail to follow 1681c-2 in applicable circumstances, I request CFPB enforcement.

Requested actions ( please investigate and order corrective steps ) : 1. Direct the nationwide CRAs ( Experian, XXXX XXXX XXXX to perform a complete reinvestigation of each listed account and to provide me ( and the CFPB ) written proof of the steps taken and the factual basis for the information they rely on. Provide copies of all communications between the CRAs and the furnishers, and copies of any documentation the furnishers used to substantiate their data.

2. Where the CRAs can not verify adverse information as required by 1681i and 1681e ( b ), order deletion or correction of the inaccurate / unverified items from my credit file and require notification of deletion/correction to anyone who received my report in the prior six months ( or two years for employment ). 
XXXX. Require furnishers ( listed above : e.g., XXXX, Comenity, Global Lending, Portfolio Recovery, XXXX, Kansas XXXX, XXXX, etc. ) to ( a ) provide proofs of account ownership/contract/amounts, ( b ) document the chain of title/assignments ( if account sold ), and ( c ) correct any inaccurate reporting or remove unverified entriesXXXX XXXX XXXX and Experian indicate some accounts were sold/charged-off or placed for collection the furnishers must substantiate these statuses. ) 4. For any hard inquiries listed that were not authorized by me ( or were incorrectly reported as hard inquiries ), require the CRAs to remove them, and require furnishers to justify permissible purpose for each hard pull. 

Attachments : Copies of Experian ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeport pages showing the disputed items ( highlighted ). 

Please assign this complaint a docket or case number and confirm receipt. I request the CFPB ( a ) open an investigation into potential FCRA violations by the listed CRAs and furnishers, ( b ) require the CRAs/furnishers to perform and document reasonable investigations under 1681i and to comply with 1681e ( b ), and ( c ) require prompt deletion or correction where the information can not be verified. 

Sincerely, XXXX XXXX XXXX

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