Consumer complaint received 2025-12-26 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 report ongoing violations of the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act 15 U.S.C. 1692 involving inaccurate credit reporting, unverified collection accounts, and unauthorized credit inquiries. I have previously disputed these items directly with the credit reporting agencies and furnishers ; however, the information continues to be reported without proper verification, demonstrating a failure to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). The continued reporting of these items is causing harm by maintaining inaccurate information on my consumer credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is reporting a charge-off status with a XXXX balance, which is inaccurate and misleading. A charged-off account with a XXXX balance requires proper documentation and lawful basis for continued reporting. No such verification has been provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account reflects a charge-off while showing no balance owed. This reporting is inconsistent and inaccurate. I have not received any competent evidence validating this charge-off under the FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Collection This collection account has not been properly validated. No original creditor documentation or proof of assignment has been furnished, making the reporting inaccurate and unverifiable. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$75.00} Charge Off This account is inaccurately classified and has not been validated. Reporting a charge-off without proper investigation violates the FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection This account appears to be duplicative and unverified. Continued reporting without proper documentation is unlawful and misleading. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Collection I have no knowledge of this account and no validation has been provided. Reporting without verification violates federal law. 
Despite my disputes, these entities and the credit reporting agencies have failed to correct or delete information that can not be verified as accurate. Under the Fair Credit Reporting Act, any information that is inaccurate, unverifiable, or reported without permissible purpose must be removed. I am requesting that the CFPB review this matter, require a proper investigation, and ensure the immediate correction or deletion of all inaccurate items listed above. I also request written confirmation of the actions taken to resolve 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