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 to report ongoing violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who continue to report inaccurate, incomplete, misleading, and unverifiable information on my credit report despite prior disputes. I previously submitted disputes regarding the accounts listed below. The disputed information remains reported without lawful correction or deletion. This failure to conduct a reasonable investigation and ensure maximum possible accuracy violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). I am requesting CFPB review and assistance to compel compliance with federal law. 
XXXX XXXXXXXX XXXX XXXX  High Balance {$7800.00} Date Opened XX/XX/XXXX Charge Off This account is being reported as charged off, yet no competent evidence has been provided that I am legally responsible for this account. I have no knowledge of this debt as reported. You have failed to provide verification establishing accuracy, ownership, and lawful basis for reporting. Under FCRA 1681e ( b ) and 1681s-2 ( b ), this account must be deleted if it can not be fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$6600.00} Date Opened XX/XX/XXXX Late Payment This account is inaccurately reporting late payments. I did not make late payments as reported. The payment history is incorrect and misleading. I am disputing the accuracy of the late payment status only. Under FCRA 1681e ( b ), you must correct the payment history to reflect accurate information. 
XXXX XXXX XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX Charge Off This charge-off is inaccurate and has not been properly verified. I have no knowledge of this account as reported. Continued reporting without proper verification violates FCRA requirements for accuracy and reasonable investigation. This account must be removed if you can not validate it. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$940.00} Date Opened XX/XX/XXXX Charge Off This account is reporting a charge-off without providing proof of accuracy, balance validity, or my obligation for the debt. No documentation has been supplied showing lawful reporting. If verification can not be produced, deletion is required under federal law. 
XXXX XXXXXXXX XXXX XXXX  High Balance {$1300.00} Date Opened XX/XX/XXXX Late Payment The late payment information being reported is inaccurate. I am disputing the payment history because it does not reflect my actual payment behavior. I am requesting correction of the inaccurate late payment reporting, not deletion of the account, in compliance with FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Date Opened XX/XX/XXXX Charge Off A charge-off with a XXXX balance is being reported without proper explanation or verification. I have no knowledge of this account as reported. The reporting is incomplete and misleading and must be deleted if it can not be fully substantiated. 
XXXX XXXX XXXX XXXX XXXX High Balance {$5600.00} Date Opened XX/XX/XXXX Charge Off This account is inaccurately reported as charged off without proper validation. No evidence has been provided showing accuracy, contractual obligation, or lawful reporting authority. Continued reporting without verification violates FCRA standards. 
XXXX XXXX XXXX XXXX High Balance {$830.00} Date Opened XX/XX/XXXX Charge Off This account is being reported without proper verification and does not meet the requirements for maximum possible accuracy. I have no knowledge of this debt as reported. Deletion is required if verification can not be produced. 
XXXX XXXX XXXX XXXX High Balance {$1800.00} Date Opened XX/XX/XXXX Charge Off This charge-off is unverified and inaccurately reported. You have failed to demonstrate that the information is complete, accurate, and legally reportable. This account must be removed if it can not be validated. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$2100.00} Date Opened XX/XX/XXXX Charge Off This account is reporting a charge-off without proper verification or proof of accuracy. I have no knowledge of this account as reported. Continued reporting without validation violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX High Balance {$38000.00} Date Opened XX/XX/XXXX Charge Off This charge off is inaccurate and unverified. No documentation has been provided showing a valid contractual obligation, accurate balance, or lawful basis for reporting. Continued reporting without proper verification violates FCRA 1681e ( b ). Deletion is required if full verification can not be produced. 
XXXX XXXX XXXX XXXX High Balance {$7500.00} Date Opened XX/XX/XXXX Late Payment This account is inaccurately reporting late payments. The payment history does not reflect accurate information. I am disputing the late payment status only and requesting correction of the inaccurate payment history, not deletion of the account, as required under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$830.00} Date Opened XX/XX/XXXX Collection This appears to be duplicate reporting of the same alleged debt with inconsistent open dates. Duplicate and inconsistent reporting is misleading and violates the requirement for maximum possible accuracy under the Fair Credit Reporting Act. This account must be corrected or deleted if it can not be accurately verified. 
XXXX XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate. I did not make late payments as reported. The payment history is incorrect and must be corrected to reflect accurate information in compliance with FCRA 1681e ( b ). 
Despite prior disputes, these inaccuracies remain on my credit report. I am requesting that the CFPB require the consumer reporting agencies and furnishers involved to conduct lawful reinvestigations, correct any inaccurate information, and delete any account or inquiry that can not be fully verified. I am requesting written confirmation of corrective actions taken to bring my credit report into compliance 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