Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
I am submitting this formal complaint regarding ongoing inaccurate and unverified credit reporting that remains on my consumer credit reports despite prior disputes. This is my second attempt to resolve these issues directly. I have not submitted any complaint to the Federal Trade Commission at this time. However, this matter remains unresolved and continues to cause harm due to noncompliance with federal consumer protection laws. Under the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable investigation after a dispute. The continued reporting of the following accounts without proper verification demonstrates a failure to comply with these legal obligations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Charge Off This account is reporting a charge-off status without documentation showing a complete accounting history, contractual obligation, or proof of accuracy. The balance and charge-off status are not supported by verified records. If this information can not be fully verified under FCRA standards, it must be deleted or corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Charge Off This account is inaccurately reported as a charge-off and has not been properly validated. No verified evidence has been provided to substantiate the amount, status, or reporting history. Continued reporting without verification violates 15 U.S.C. 1681 ( b ) and requires removal or correction. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$980.00} Late Payment This account is inaccurately reporting late payments. I never made late payments on this account and the payment history is incorrect. Under the FCRA, inaccurate payment history must be corrected. I am requesting correction of the late payment history only, not deletion of the account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Late Payment The late payment status reported on this account is inaccurate. The payment history does not reflect my actual payment behavior. This is a dispute of accuracy under 15 U.S.C. 1681 ( a ) ( 1 ) and 1681s-2 ( b ). I am requesting correction of the late payment reporting to reflect accurate history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment This account is reporting late payments that are not accurate. No verified records have been provided to support the late payment designation. I am requesting correction of the payment history in compliance with FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$66.00} Collection I have no knowledge of this alleged debt and dispute it in its entirety. Under 15 U.S.C. 1692g, I am requesting full written validation including proof of obligation, original creditor information, and authority to collect. Until validation is provided, this account must not be reported. If validation can not be produced, this account must be deleted. 
I am requesting that the Consumer Financial Protection Bureau review this matter and require the furnishers and consumer reporting agencies involved to comply with federal law by correcting or deleting all inaccurate and unverified information listed above. I am requesting written confirmation of the actions taken to resolve this complaint.

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