Consumer complaint received 2025-12-23 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding continued violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who are reporting inaccurate, unauthorized, and unverified information on my credit reports. Despite prior disputes, these items remain reported without lawful verification. Under FCRA 15 USC 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy, permissible purpose, and timely investigation. The continued reporting of these items demonstrates noncompliance with federal law. 
XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$260.00} Late Payment This account is reporting late payments that are inaccurate. I did not make any late payments on this account. Reporting a late payment that did not occur violates FCRA 15 USC 1681e ( b ) which requires maximum possible accuracy. I am disputing the payment history only and requesting correction of the inaccurate late payment reporting to reflect accurate history. 
XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This account reflects late payments that are incorrect. I have never made a late payment on this account. Reporting false delinquency is misleading and unlawful under FCRA 15 USC 1681e ( b ) and 1681i. I am requesting correction of the payment history to remove the inaccurate late payment reporting. 
XXXX  Account XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$230.00} Chargeoff I have no knowledge of this charge-off as reported. This account has not been properly verified and is being reported without evidence of contractual obligation or accurate account history. Continued reporting without verification violates FCRA 15 USC 1681b and 1681i. I am requesting full investigation and deletion or correction if verification can not be produced. 
XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$720.00} Chargeoff I do not recognize this charge-off as reported. There has been no proper validation or verification provided. Reporting an unverified charge-off is a violation of FCRA 15 USC 1681e ( b ) and 1681i. This account must be investigated and deleted or corrected accordingly. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$720.00} Chargeoff This charge-off is being reported inaccurately and without proper verification. I dispute the accuracy and completeness of this account. Under FCRA 15 USC 1681i, any account that can not be fully verified must be removed or corrected. 
XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$1100.00} Late Payment This account is reporting late payments that are not accurate. I did not make late payments as reported. Reporting false delinquency violates FCRA 15 USC 1681e ( b ). I am disputing the payment history and requesting correction only to reflect accurate reporting. 
XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Chargeoff I have no knowledge of this charge-off and it is being reported without proper verification. Reporting an account with a XXXX balance as a charge-off without supporting documentation is inaccurate and misleading under FCRA 15 USC 1681e ( b ). This account must be fully investigated and deleted or corrected. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$19000.00} Chargeoff I do not recognize this charge-off and dispute its accuracy and ownership. No verified proof has been provided to support this reporting. Continued reporting without verification violates FCRA 15 USC 1681b and 1681i. I am requesting immediate investigation and deletion or correction. 
XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$400.00} Collection I do not recognize this collection account and have no knowledge of any obligation to this entity. No validation or proof of ownership has been provided. Reporting an unverified collection account violates FCRA 15 USC 1681b and 1681i. This account must be investigated and removed if it can not be properly verified. 
XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$650.00} Collection I have no knowledge of this collection account. There has been no documentation provided showing contractual obligation, accurate balance, or authority to report. Continued reporting without verification violates FCRA 15 USC 1681e ( b ) and 1681i. I am requesting deletion if verification can not be produced. 
XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry and did not apply for credit with this company on this date. Reporting without permissible purpose violates FCRA 15 USC 1681b. Immediate removal is requested. 
XXXX XXXX XXXX XXXX XXXXnquiry Dated XX/XX/XXXX This inquiry was made without my authorization. I did not initiate any credit application. This is a violation of FCRA 15 USC 1681b and must be deleted. 
XXXX XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry and no permissible purpose exists. Continued reporting violates FCRA 15 USC 1681b. Removal is required. 
XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX This inquiry was not authorized by me. No application or consent was provided. Reporting violates FCRA 15 USC 1681b and must be deleted. 
XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry. There is no permissible purpose under FCRA. Immediate removal is requested pursuant to 15 USC 1681b. 
XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry and did not apply for credit. Reporting without permissible purpose violates FCRA 15 USC 1681b. Removal is required. 
XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX This inquiry was made without my authorization. I did not initiate any transaction. Reporting violates FCRA 15 USC 1681b and must be removed. 
XXXX XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry and there is no permissible purpose. Continued reporting violates FCRA 15 USC 1681b. Immediate deletion is requested. 
XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I did not authorize this inquiry and did not apply for credit. Reporting without permissible purpose violates FCRA 15 USC 1681b. This inquiry must be removed. 
The continued reporting of these inaccurate and unauthorized items after prior disputes demonstrates a failure to comply with federal law. I am requesting that the CFPB require the involved parties to conduct lawful investigations, correct or remove unverifiable information, and provide written confirmation of compliance. Failure to resolve these violations will result in further regulatory escalation.

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