Consumer complaint received 2025-12-15 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 submitting this complaint to request assistance regarding inaccurate and improper credit reporting that remains on my consumer credit file despite my efforts to resolve these issues directly. The information listed below is either inaccurately reported or does not belong to me, and continued reporting without proper verification is causing harm to the accuracy of my credit report. This complaint is submitted pursuant to the Fair Credit Reporting Act, including FCRA 607 ( b ), 611 ( a ), and 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Charge Off. I have no knowledge of this account and do not recognize it as mine. I did not open, authorize, or agree to any obligation related to this account. Please conduct a full investigation and either delete this account or correct it based on verified, documented proof as required by the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} XXXX XXXX. This account is not mine and I have no knowledge of it. I dispute the accuracy, ownership, and reporting of this account in its entirety. Please investigate and remove or correct this tradeline if it can not be properly verified with competent evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$3100.00} Charge Off. I do not recognize this account and have no knowledge of ever opening or using it. The reporting of this charge-off is inaccurate. Please complete a lawful reinvestigation and delete this account if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Charge Off. This account is not mine and I have no knowledge of it. The information being reported is inaccurate and unsupported. Please investigate thoroughly and remove this account if it can not be verified. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$65.00} XXXX XXXX. The payment history being reported on this account is inaccurate. I did not make any late payments on this account as reported. Please investigate and correct the payment history to accurately reflect my true payment record. I am requesting correction of the late payment history only. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off. I have no knowledge of this account and do not recognize it as mine. I did not open, authorize, or agree to any obligation related to this account. Please conduct a full reinvestigation and delete this account or correct it based on verified, documented proof as required by the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment. The late payment information associated with this account is incorrect. I dispute the accuracy of the reported payment history and request that the late payment status be corrected after proper investigation. This request is for correction of inaccurate information only. 
I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies involved to comply fully with their obligations under federal law by ensuring that all reported information is complete, accurate, and verifiable. I respectfully request confirmation that these disputed items are corrected or removed as required, and that written results of the investigation be provided.

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