Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After thoroughly reviewing my credit reports from all three major credit bureausTransUnion, Experian, and EquifaxI discovered multiple accounts that are inaccurately reported, outdated, unverifiable, or otherwise misrepresented. These items are unfairly damaging my credit profile and do not reflect the true and current status of my credit history. 

Despite previous attempts to resolve these discrepancies through formal disputes, I have not received proper validation, verification, or accurate correction of the following issues : Charge-Off Accounts : Several charge-off listings remain on my report without providing any original signed contracts, itemized statements, or lawful proof of debt ownership. These accounts lack proper validation and appear to be reported inconsistently across the bureaus.

Medical Collections : There are medical collection accounts being reported without complian
ce with the required procedures under the No Surprises Act and HIPAA. These accounts were never properly validated nor verified, and in some cases, appear after payments were made or insurance claims were still pending. 

Late Payments : A number of accounts continue to reflect past-due or delinquent payment history, despite the fact that these accounts were either paid in full, settled, or currently remain in good standing. These derogatory marks are misleading and do not accurately represent my payment behavior. 

Duplicate or Inconsistent Listings : Some accounts are reported multiple times across different bureaus, often showing conflicting information such as different statuses, balances, or dates of last activity.

Unauthorized or Unrecognizable Accounts : At least one account listed does not belong to me and does not match any of my known credit activity. This raises serious concerns of misreporting or identity-related errors. 

Dispute Markings Without Resolution : Certain accounts are marked as dispute resolved consumer disagrees, but no documentation or explanation has been provided to substantiate the continued reporting. This violates my right to a fair and transparent dispute process. 

These unresolved inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished in a credit report must be accurate, complete, and verifiable. Continued reporting of unverifiable or inaccurate data without proper investigation constitutes willful noncompliance under 15 U.S.C. 1681i and 1681s-2 ( b ).

This ongoing situation is unfairly preventing me from qualifying for essential financial services, including housing, employment, and auto financing. I am requesting immediate deletion or correction of all unverifiable, inaccurate, or misleading information from my credit file in accordance with federal law.

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