Consumer complaint received 2025-12-04 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:
Dear CFPB, I am writing this complaint to notify you that my credit report contains multiple serious inaccuracies, including unknown accounts, incorrect charge-offs, incorrect collections, and wrongly reported late payments. These items do not belong to me and do not match my identity, account history, or financial activities. 
I am requesting a full investigation and action under the Fair Credit Reporting Act ( FCRA ) to correct or remove the inaccurate information listed below. 
Disputed Charge-Off Accounts ( I Have No Knowledge of These Accounts ) The following charge-off accounts do not belong to me. I have no knowledge of them and never authorized or opened these accounts. Please investigate and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$730.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$980.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3000.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Charge Off XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$220.00} Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$100.00} Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Charge Off These accounts are not mine and should be removed under FCRA. 
Disputed Collection Accounts ( I Do Not Recognize These Accounts ) I do not recognize or authorize the following collection accounts. These are inaccurate and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( Two entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These are unauthorized and must be removed from my credit report. 
Incorrect Late Payments ( Requesting Correction, Not Deletion ) The following accounts incorrectly show late payments, which I never made. I am not asking for deletion of the account, only for the inaccurate late-payment history to be corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Payment XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Late Payment XXXX  XXXX XXXX * * High Balance {$170.00} Late Payment XXXX  XXXX XXXXXXXX XXXX XXXX  High Balance {$81.00} Late Payment XXXX  XXXX XXXX XXXX XXXX High Balance {$140.00} Late Payment XXXX  XXXX XXXXXXXX XXXX XXXX High Balance {$130.00} Late Payment Please correct the late-payment history, as these reports are inaccurate. 
Final Request I respectfully request that the CFPB : 1. Removes all inaccurate charge-off and collection accounts 2. Corrects all incorrectly reported late payments 3. Ensures compliance with FCRA and prevents future inaccurate reporting Thank you for your assistance and investigation into these matters.

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