Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
I am submitting this complaint regarding continued inaccurate, duplicate, and unauthorized information being reported on my consumer credit report despite multiple prior disputes. I have not submitted any complaint with the Federal Trade Commission at this time. This complaint is submitted due to ongoing noncompliance with the Fair Credit Reporting Act. 
Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681a, 1681b, 1681e ( b ), 1681i, and 1681s-2, consumer reporting agencies and furnishers are required to report only information that is complete, accurate, and verifiable, and to conduct a reasonable investigation when a consumer disputes reported information.

Despite repeated disputes, the following accounts and inquiries continue to be reported inaccurately, without proper verification, or without permissible purpose. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This account is reporting late payment history that is inaccurate. I never made late payments on this account as reported. The payment history is incorrect and does not reflect my actual account activity. Please correct the payment history to reflect accurate reporting as required under 15 U.S.C. 1681e ( b ) and 1681i. 
XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXXXXXX  Reported Status : Charge Off This account is reporting a charge-off status that is inaccurate and has not been properly verified. I dispute the accuracy of this charge-off and request full verification of the original creditor, complete account history, and legal basis for reporting this status. If such verification can not be produced, this account must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXXXXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXXXXXX  Reported Status : Charge Off This account is reporting inaccurate charge-off information. The balance, status, and reporting history are not supported by verified documentation. Continued reporting without proper verification violates the FCRA. Please delete this account if accurate verification can not be provided. 
XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX  Reported Status : Charge Off This charge-off is being reported without complete and accurate verification. The account history, balance progression, and charge-off justification have not been lawfully substantiated. Failure to verify requires deletion under 15 U.S.C. 1681XXXX. 
XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX  Reported Status : Charge Off This account contains inaccurate reporting and lacks proper documentation to support the charged-off status. I dispute the accuracy of this account in full and demand lawful verification or immediate removal from my credit report. 
XXXX XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXXXXXX  Reported Status : Charge Off This account is reporting outdated, inaccurate, and unverifiable charge-off information. Continued reporting without lawful verification after multiple disputes is noncompliant with the FCRA. Please delete this account if verification can not be produced. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$5700.00} Date Opened : XX/XX/XXXX Reported Status : Collection I have no knowledge of this alleged collection account. XXXX XXXX XXXX has failed to provide validation or evidence that this debt is accurate or legally reportable. Reporting a collection without proper verification violates 15 U.S.C. 1681e ( b ) and 1681s-2. This account must be deleted if it can not be validated. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Reported Status : Collection This entry appears to be duplicate and inconsistent reporting of the same alleged debt with conflicting open dates. Duplicate or misleading reporting violates the FCRA. This account must be deleted if it can not be validated as a separate and accurate tradeline. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this credit inquiry. Please provide proof of permissible purpose under 15 U.S.C. 1681b or delete this inquiry immediately. 
XXXX Inquiry Date : XX/XX/XXXXXXXX  This is a duplicate unauthorized inquiry reported on the same date. Duplicate inquiries are inaccurate and must be removed. 
XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  I did not apply for credit with this company. This inquiry lacks permissible purpose and must be removed. 
I am requesting that the CFPB review this matter and require the consumer reporting agencies and furnishers to comply with federal law by conducting a lawful reinvestigation and deleting or correcting any information that can not be fully verified. Continued reporting of inaccurate or unverifiable information after disputes reflects systemic noncompliance with the Fair Credit Reporting Act.

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