Consumer complaint received 2025-12-02 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:
I am filing this complaint because multiple accounts on my credit report are reporting incorrect, inaccurate, and unverified information. These furnishers have failed to provide proper validation, and the negative reporting is causing me severe harm. I am requesting a full investigation and immediate correction. 
XXXX XXXX Acct : XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$440.00} XXXX XXXX  This reported late payment is completely inaccurate. I never made a late payment on this account, and no documentation has been provided to prove otherwise. The furnisher is reporting false delinquency, violating FCRA 609 and 611 requirements for accuracy. 
XXXX XXXX  XXXX Acct : XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$310.00} XXXX XXXX I have no knowledge of this account. No contract, statement, or proof of ownership has been provided. This is unverified reporting, and the account must be removed under FCRA 602 and 609. 
XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$430.00} XXXX XXXX I dispute this account entirely. I was never provided any validation, billing history, or authentic documentation proving this debt belongs to me. Reporting a charge-off without verification is a violation of FCRA accuracy standards. 
XXXX Acct : XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$35000.00} XXXX XXXX  I do not recognize this account or any delinquency tied to it. No legally required verification has been provided, and continued reporting without proof violates FCRA 609, 611, and 623. 
XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$400.00} * * This furnisher has failed to validate this account. I have no recollection of it, and the reporting is inaccurate, incomplete, and unverified. I am requesting deletion. 
XXXX Acct : XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$19000.00} * * I dispute this charge-off. The information is being reported without proper documentation or validation, and I have no knowledge of this account. This reporting is harming me and must be investigated immediately. 
XXXX XXXX XXXX Acct : XXXX XXXX  Collection Date Opened : XX/XX/XXXX High Balance : {$6900.00} * * I do not recognize this collection account. No proof of debt, itemized statement, lease agreement, or any legally required verification has been provided. Under FCRA and FDCPA, this account is unverified and should not be reported. 
REQUEST FOR ACTION I request the CFPB to investigate each furnisher for failing to verify the information they are reporting. I also request these inaccurate, unverified accounts be removed if they can not be validated with proper documentation. 
Thank you.

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