Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint to report ongoing inaccurate, incomplete, and unverified information being furnished and maintained on my consumer credit reports. Despite my efforts to dispute these items directly, the information continues to report inaccurately. This conduct violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681b, 1681e ( b ), and 1681i. The accounts and inquiries listed below are causing harm due to improper reporting and failure to ensure maximum possible accuracy. 
XXXX / XXXX Account No : XXXX Open Date : XX/XX/XXXX Status Reported : Charge Off This account is being reported as a charge-off ; however, I have no knowledge of this account and do not recognize it as belonging to me. No contract, billing statement, or evidence of consumer responsibility has been provided to support this reporting. Reporting an unverified charge-off violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. If this account can not be fully verified with proper documentation, it must be deleted or corrected immediately. 
XXXX XXXX Account No : XXXX Open Date : XX/XX/XXXX Status Reported : Charge Off This charge-off is inaccurate and unsupported. I have no knowledge of this account and dispute any obligation related to it. The continued reporting of a charge-off without validation constitutes inaccurate reporting under the FCRA. Please provide full verification including original agreement and payment history, or remove this account from my credit file in accordance with 15 U.S.C. 1681i. 
XXXX XXXX Account No : XXXX Open Date : XX/XX/XXXX Status Reported : Charge Off This account is reporting a charge-off that I do not recognize. I dispute this account in its entirety. No evidence has been provided to confirm that I opened or authorized this account. Reporting such information without verification is not compliant with federal law. This item must be properly investigated and deleted if verification can not be produced. 
XXXX XXXX Account No : XXXX Open Date : XX/XX/XXXX Status Reported : Charge Off I have no knowledge of this account and dispute its presence on my credit report. The charge-off status is being reported without proof of consumer liability. Under 15 U.S.C. 1681b and 1681e ( b ), only verified and accurate data may be reported. Failure to validate this account requires removal from my credit report. 
XXXX XXXX XXXX Account No : XXXX Open Date : XX/XX/XXXX Status Reported : Late Payment The late payment history being reported on this account is inaccurate. I did not make late payments as reported. This dispute is regarding the accuracy of the payment history only. I am requesting correction of the late payment markings to reflect accurate payment history. Reporting incorrect payment status violates 15 U.S.C. 1681a ( 2 ) and 1681e ( b ). This account should not be deleted, only corrected to show accurate information. 
XXXX XXXX XXXXXXXX Inquiry Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. I did not provide written or permissible consent for this credit pull. Under 15 U.S.C. 1681b, a credit inquiry requires a permissible purpose. Please remove this unauthorized inquiry from my credit report immediately. 
I am requesting CFPB assistance to ensure these furnishers and credit reporting agencies comply with federal law. These items remain inaccurate, unverified, and improperly reported. I am requesting that CFPB require full reinvestigation, documentation of verification, and deletion or correction of any information that can not be fully supported. 
Please require written confirmation of all corrections or deletions made as a result of this complaint.

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