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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate, unauthorized, and unverified information that continues to appear on my consumer credit report despite prior disputes. These issues involve both collection accounts and credit inquiries that do not comply with the Fair Credit Reporting Act ( FCRA ). 
I have disputed these items directly with the consumer reporting agencies and/or furnishers. However, the inaccurate information remains reported without proper investigation or verification, in violation of 15 U.S.C. 1681i and 1681s-2 ( a ). 
XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off I have no knowledge of this account as reported. The charge-off status is inaccurate and unsupported by verified documentation. Please conduct a full investigation and delete or correct this account if it can not be properly verified. 
XXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off This account is disputed in full. I do not recognize this charge-off as accurate. No contractual agreement or billing records have been provided. Please verify or remove this account in compliance with the FCRA. 
XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$970.00} | Status : Charge Off I dispute this charge-off due to lack of verification. I have no knowledge of this account as presented. If verification can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off The reporting of this account is inaccurate. The charge-off status is not supported by verifiable records. Please investigate and remove or correct this item immediately. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$720.00} | Status : Charge Off I do not recognize this charge-off as accurate. Full validation is required. Failure to verify requires deletion under 15 U.S.C. 1681i. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$1100.00} | Status : Charge Off This account is being reported inaccurately. Please provide complete verification. If accurate documentation can not be furnished, this account must be removed. 
XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX | Balance Owed : {$20000.00} | Status : Late Payment This account is not disputed for deletion. However, the late payment reporting is inaccurate. I have never made late payments as reported. I am requesting correction of the payment history only, as required by the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$3300.00} | Status : Collection I have no knowledge of this collection account. The reporting is inaccurate and unverified. Failure to provide proper verification requires deletion under the FCRA. 
XXXX XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$460.00} | Status : Collection This account is being reported without proper validation. I dispute this debt in full. Please investigate and delete this account if verification can not be completed. 
XXXX XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$2300.00} | Status : Collection I do not recognize this alleged obligation. No evidence has been provided showing my responsibility for this debt. Please verify or remove this account immediately. 
XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX | Balance Owed : {$1000.00} | Status : Collection This collection account is inaccurate and unverified. I have no knowledge of this debt. Please delete this account if it can not be fully substantiated. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$4100.00} | Status : Collection I dispute the accuracy of this collection. No proof of agreement or billing history has been provided. Under the FCRA, unverifiable information must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance Owed : {$120.00} | Status : Collection I dispute this collection in its entirety. I have no knowledge of this obligation. Please provide full verification or delete this account immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This is a duplicate and unauthorized inquiry. No permissible purpose exists. Duplicate inquiries must be deleted immediately. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my authorization. Please remove this inquiry from my credit file. 
I am requesting that the CFPB review these violations and require the consumer reporting agencies and furnishers to comply with the Fair Credit Reporting Act by conducting proper investigations and deleting or correcting all inaccurate, unauthorized, and unverifiable information. 
Thank you for your assistance in this matter.

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