Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ) due to the continued reporting of inaccurate, unverifiable, and potentially fraudulent accounts on my credit file, despite multiple dispute requests and sufficient time allowed for reinvestigation. 

I previously submitted written disputes and investigation requests for the accounts listed below. These requests included sufficient identification and details necessary for a lawful reinvestigation. However, no documentation verifying the legitimacy or accuracy of the information has been provided, and no meaningful reinvestigation appears to have been conducted in violation of FCRA XXXX. Many of these accounts are reported as charge-offs or with late payment histories that I believe to be inaccurate or a result of fraud. 

Disputed Accounts : XXXX XXXX XXXX Ref : XXXX | Opened : XX/XX/XXXX | Balance : {$1900.00} Requested removal of inaccurate late status ; no investigation occurred. 

XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX | Opened : XX/XX/XXXX | Balance : {$2500.00} Late status dispute ignored ; no supporting documentation provided. 

XXXX XXXX XXXX XXXX XXXX : XXXX | Opened : XX/XX/XXXX | Balance : {$310000.00} XXXX XXXX XXXX XXXX XXXX : XXXX | Opened : XX/XX/XXXX | Balance : {>= $1,000,000} XXXX XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$26000.00} XXXX XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$26000.00} XXXX XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} All above XXXX  accounts were disputed as either inaccurate or fraudulent, including charge-offs, yet no verification or reinvestigation results have been provided. 

XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} Disputed due to suspected fraud ; remains uncorrected without investigation. 

XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$35000.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$1900.00} Both accounts disputed due to fraud ; no proof or reinvestigation results were provided. 

XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$14000.00} Account does not belong to me ; formal request for investigation ignored. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$12000.00} Unknown collection ; no validation has been provided under FCRA and FDCPA. 

Despite having ample time as required by the FCRA, the credit bureau ( XXXX ) and furnishers have failed to provide documentation verifying the disputed information. I also clearly requested that automated dispute processing systems ( such as XXXX ) not be used, per the XXXX CFPB Consent Orders, and that a manual investigation be conducted by qualified personnel.

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