Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because there are multiple inaccurate and unverified items being reported on my credit reports by various furnishers and credit bureaus. Despite my efforts to dispute these errors directly with the credit bureaus, the information remains uncorrected. These errors are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the accounts and inquiries in question : Incorrect Personal Information Please remove the following addresses as they are not associated with me and are being falsely reported : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Disputes XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Reported Status : Charge Off I have no knowledge of this account being charged off. Please provide complete verification and documentation proving its accuracy or remove it from my report. 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Reported Status : Charge Off This charge-off is being inaccurately reported. I have never been notified of or agreed to such status. Please investigate and delete if unverifiable. 
XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Reported Status : Charge Off I do not have any account with XXXX XXXX matching this information. Please verify this entry or delete it immediately. 
XXXX XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reported Status : Late Payment This late payment is inaccurately reported. I made all payments on time and request correction of the payment history to reflect an accurate status. 
XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reported Status : Charge Off I have no knowledge of this account being charged off. Please verify the details or delete it if unverifiable. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Reported Status : Late Payment The late payment status is incorrect. Payments were made on time; please correct the reporting to reflect accurate payment history. 
XXXX XXXXXXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Reported Status : Charge Off I do not recognize this charge-off. Please provide documentation supporting the validity of this entry or remove it. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Reported Status : Late Payment The reported late payment is inaccurate. I made timely payments and request correction of the payment history to reflect accurately. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Status : Late Payment The late payment status is incorrect. I made all payments on time. Please verify and correct the payment history to accurately reflect timely payments. 
XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} Reported Status : Charge Off I have no knowledge of this account being charged off. Please provide verification and supporting documentation, or remove the account if unverifiable. 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Status : Charge Off I do not recognize this charge-off entry. Please verify the accuracy of this information or delete it from my report if unverifiable. 
Hard Inquiry Disputes The following inquiries were not authorized by me and must be removed from my credit report immediately : XXXXXXXX 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 XXXXXX/XX/XXXX These inquiries were made without my authorization, and I did not apply for any credit or financing with these companies on the listed dates. Please investigate and remove these unauthorized inquiries from my report immediately. 
Requested Action I am requesting that the CFPB conduct an investigation into the credit reporting agencies and the data furnishers listed above for failure to properly investigate and correct inaccurate information as required by law. Specifically, I request that : 1. All inaccurate late payments and charge-offs be corrected or removed.

2. All unauthorized inquiries be permanently deleted from my credit report.

3. The credit bureaus provide me with written confirmation once these corrections have been made.

These errors have negatively affected my creditworthiness and caused unnecessary hardship. I am requesting your assistance in ensuring that my credit reports are corrected and that the furnishers and credit bureaus comply fully with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I appreciate your assistance in helping to ensure fair and accurate credit reporting.

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