Consumer complaint received 2025-12-24 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding continued reporting of inaccurate, incomplete, and unverified information on my consumer credit reports. I have previously disputed these items directly with the credit reporting agencies and furnishers. Despite multiple disputes, the inaccurate information remains. This demonstrates a failure to conduct a reasonable investigation as required by federal law. I have not submitted a complaint with the FTC at this time. 
XXXX XXXX  account number XXXX date opened XX/XX/XXXX balance {$250000.00} is reporting late payments. I dispute the accuracy of the late payment history being reported on this account. I have no record of making late payments as shown. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. I am requesting correction of the payment history to reflect accurate and timely payments or removal of the late payment notation if it can not be fully verified. 
XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$30000.00} is reporting late payments. I dispute the accuracy of this late payment reporting. The information does not match my records. Continued reporting without proper verification violates FCRA 1681e ( b ). I am requesting correction of the late payment history to accurately reflect the true payment status. 
XXXX account number XXXX date opened XX/XX/XXXX balance {$7100.00} is reporting as a charge off. I have no knowledge of this account being charged off as reported. The balance, status, and charge off designation are disputed as inaccurate and unverified. Under FCRA 1681i, you must conduct a reasonable investigation and delete or correct any information that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$4100.00} is reporting as a charge off. I dispute ownership and accuracy of this charge off status. I am requesting full verification including original account documentation and complete payment history. If verification can not be produced, this item must be deleted pursuant to FCRA 1681 ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$4100.00} is reporting as a charge off. I have no knowledge of this account being charged off as reported. The information is incomplete and inaccurate. Continued reporting without proper verification violates FCRA 1681e ( b ). I am requesting deletion or correction based on investigation results. 
XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX date opened XX/XX/XXXX balance {$1000.00} is reporting as a charge off. I dispute the accuracy and validity of this reporting. No competent evidence has been provided to substantiate this status. If this account can not be fully verified, it must be removed. 
XXXX account number XXXX date opened XX/XX/XXXX balance {$2500.00} is reporting as a charge off. I dispute this account as reported. The charge off status, balance, and payment history are not accurate. Under FCRA 1681s-2 ( b ), furnishers must investigate and correct or delete inaccurate information. 
XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$70.00} is reporting as a charge off. I dispute the accuracy of this account and have no confirmation that this reporting is correct. Verification is required or the account must be deleted. 
XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$54.00} is reporting as a charge off. This is a duplicate and inaccurate reporting of an alleged account. Duplicate and inconsistent reporting violates FCRA accuracy requirements. Immediate correction or deletion is required. 
XXXX XXXX I account number XXXX date opened XX/XX/XXXX balance {$23000.00} is reporting as a collection. I have no knowledge of this account and do not recognize this alleged debt. The balance, ownership, and collection status are disputed. Under FCRA 1681i and FDCPA 1692e, this account must be fully verified with competent evidence or deleted from my credit report. 
XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$120.00} is reporting as a collection. I have no knowledge of this account and dispute that this debt belongs to me. No valid proof has been provided establishing liability or accuracy. If verification can not be produced, deletion is required pursuant to FCRA 1681 ( a ) ( 5 ). 
Despite repeated disputes, these items remain on my credit reports without proper verification. I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to comply with federal law by conducting reasonable investigations and correcting or deleting all inaccurate and unverifiable information. I am requesting written confirmation of corrective action.

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