Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
b'I am submitting this complaint due to continued inaccurate, unauthorized, and unverifiable information being reported on my consumer credit report despite prior disputes. I have already submitted disputes directly to the credit reporting agencies and furnishers under the Fair Credit Reporting Act. The disputed items remain unresolved, demonstrating a failure to conduct reasonable reinvestigations as required by federal law.\nUnder 15 U.S.C. 1681e(b), 1681b, and 1681s-2(b), consumer reporting agencies and furnishers must ensure maximum possible accuracy, investigate disputed information, and report inquiries only when a permissible purpose exists. Reporting information that cannot be verified or corrected after notice is a violation of the FCRA.XXXXXXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Late Payment\nThe late payment history reported on this account is inaccurate and does not reflect my actual payment behavior. I did not make late payments as shown. No competent evidence has been provided to substantiate this reporting. Under the FCRA, inaccurate payment history must be corrected immediately or removed if it cannot be verified.XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX  Issue: Late Payment\nThis account is reporting late payments that are incorrect and misleading. The furnisher failed to properly investigate after my first dispute. Continued reporting of inaccurate payment history violates federal law and must be corrected or deleted if verification cannot be produced.XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThe charge-off status on this account is inaccurate and incomplete. No original creditor documentation has been provided to verify this reporting. Under the FCRA, unverifiable or incomplete charge-off reporting must be deleted from my credit file.XXXX XXXX XXXX Date Opened: XXXX  | High Balance: $XXXX  Issue: Late Payment\nThis account continues to report inaccurate late payments. No valid proof has been supplied to justify this reporting. Failure to correct this information after notice constitutes non-compliance with the FCRA.XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX  Issue: Charge Off\nThe charge-off reporting on this account is disputed due to lack of proper verification. The reporting is incomplete and misleading. Any charge-off that cannot be fully verified must be deleted under federal law.XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThis account is inaccurately reported as a charge-off. No reasonable investigation results or original records have been provided. Continued reporting of unverifiable information violates the FCRA and requires deletion.XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThis account reflects inaccurate charge-off information. The furnisher has not met the burden of verification required by law. If accurate documentation cannot be produced, this account must be removed immediately.XXXX XXXX XXXX XXXX  Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThis account appears duplicative and inaccurately reported. Duplicate or inconsistent reporting violates accuracy standards under the FCRA and must be corrected or deleted without delay.XXXX XXXX  Date Opened: XXXX | High Balance: $XXXX  Issue: Charge Off\nThis charge-off is inaccurate and has not been properly verified. Continued reporting without competent evidence is unlawful. This account must be deleted if verification cannot be produced.XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThe charge-off reporting on this account is inaccurate and incomplete. No original agreement, payment history, or proper verification has been provided. Under the FCRA, unverifiable charge-off reporting must be removed.XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nI dispute this charge-off in its entirety. I have no records supporting the accuracy of this reporting. No original agreement, payment history, or proper investigation results have been provided. Under the FCRA, unverifiable charge-off reporting must be deleted immediately.XXXX XXXX XXXX XXXX  Date Opened: XXXX  | High Balance: $XXXX  Issue: Collection\nI have no knowledge of this alleged collection account. The furnisher has failed to provide competent evidence establishing liability or accuracy. Continued reporting without proper verification violates federal law and requires deletion.\XXXX XXXX XXXX  Date Opened: XXXX | High Balance: $XXXX Issue: Charge Off\nThis charge-off is inaccurate and incomplete. No original creditor documentation has been produced to verify this account. Under the FCRA, unverifiable charge-off reporting must be removed from my credit file.XXXX XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX  Issue: Collection\nI do not recognize this collection account and have no knowledge of any obligation to this company. No proper validation has been provided. Reporting an unverified collection account is unlawful and requires deletion.XXXX XXXX XXXX XXXX  Date Opened: XXXX | High Balance: $XXXX Issue: Collection\nThis collection account is disputed due to lack of verification. No evidence has been provided showing ownership of the debt or accuracy of the amount reported. Under federal law, this account must be deleted if it cannot be verified.XXXX XXXX XXXX XXXX Date Opened: XXXX | High Balance: $XXXX Issue: Collection\nI have no knowledge of this alleged debt. The furnisher has failed to meet the burden of proof required by the FCRA. Continued reporting without verification constitutes non-compliance and requires immediate deletion.XXXX XXXX XXXX  Date Opened: XXXX | High Balance: $XXXX  Issue: Collection\nI dispute this collection account in full. No original creditor information, account agreement, or validation has been provided. Unverifiable collection reporting must be deleted under federal law.XXXX XXXX XXXX  Date: XXXX Issue: Inquiry\nI did not authorize this inquiry and no permissible purpose has been provided as required under FCRA 1681b. Unauthorized inquiries must be removed immediately.XXXX XXXX XXXX XXXX  Issue: Inquiry\nThis inquiry was not authorized by me. No permissible purpose exists. Continued reporting violates the FCRA and requires deletion.XXXX XXXX XXXX Date: XXXX Issue: Inquiry\nI did not apply for credit with this company. This inquiry lacks permissible purpose and must be removed.XXXX XXXX Date: XXXX Issue: Inquiry\nThis inquiry was not authorized. No credit application was submitted by me. The inquiry must be removed immediately.XXXX XXXX  Date: XXXX Issue: Inquiry\nDuplicate and unauthorized inquiry. No permissible purpose exists. Continued reporting violates the FCRA.XXXX XXXX  Date: XXXX Issue: Inquiry\nThis inquiry was made without my consent and lacks permissible purpose. Immediate deletion is required.XXXX XXXX XXXX Date: XXXX Issue: Inquiry\nI did not authorize this inquiry. No permissible purpose has been established. Removal is required.XXXX XXXX Date: XXXX Issue: Inquiry\nUnauthorized inquiry with no permissible purpose. This inquiry must be deleted.XXXX XXXX Date: XXXX Issue: Inquiry\nI dispute this inquiry in full. It was not authorized and must be removed under the FCRA.XXXX XXXX XXXX Date: XXXX Issue: Inquiry\nThis inquiry lacks permissible purpose and was not authorized. Continued reporting is unlawful.\nDespite prior disputes, these items remain on my credit report without proper verification or correction. I am requesting that the CFPB investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by correcting or deleting the disputed information.'

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