Consumer complaint received 2025-12-22 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:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) related to inaccurate, unauthorized, and unverified items appearing on my consumer credit report. I have previously disputed these items directly, yet they remain unresolved. I have not submitted an FTC complaint at this time. 
The following accounts and inquiries are being reported inaccurately and without proper legal basis. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Status : Late Payment Issue : This account is inaccurately reporting late payments. I have never made a late payment on this account. The payment history being reported is incorrect and does not reflect actual account performance. Under 15 U.S.C. 1681e ( b ), furnishers must report accurate information. I am requesting correction of the payment history to reflect no late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Reported Status : Chargeoff Issue : This account is reporting as a chargeoff without proper verification. I have no documentation validating this chargeoff amount or status. Reporting a chargeoff without substantiation violates FCRA accuracy and verification requirements. If this account can not be fully verified, it must be deleted or corrected accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} Reported Status : Chargeoff Issue : This account is reporting a chargeoff without complete validation of the debt, balance calculation, or reporting authority. If accurate verification can not be produced, continued reporting is unlawful. I request deletion or full correction based on verified records only. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Reported Status : Late Payment Issue : The late payment notation on this account is inaccurate. I dispute the payment history being reported. Under FCRA requirements, inaccurate payment history must be corrected. I am requesting correction of the late payment status only. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Reported Status : Chargeoff Issue : This chargeoff is being reported without complete documentation supporting the balance, default date, and reporting authority. Inaccurate chargeoff reporting violates federal credit reporting laws. If verification can not be provided, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Status : Late Payment Issue : This account shows a XXXX balance yet reports late payments. This is inaccurate and misleading. I am requesting correction of the payment history to accurately reflect timely payments. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Reported Status : Collection Issue : I have no knowledge of this alleged debt. XXXX XXXX XXXX has failed to provide proper validation as required under 15 U.S.C. 1692g. Collection activity and reporting must cease until full validation is provided. If validation can not be produced, this account must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Reported Status : Collection Issue : This collection account is being reported without lawful validation. Reporting unverified collection accounts violates both the FDCPA and FCRA. I am requesting immediate deletion if proper validation can not be provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Reported Status : Collection Issue : This collection account is being reported without proper validation. I dispute this debt in its entirety and have no record confirming its legitimacy. Reporting unverified information violates federal law. Deletion is required if validation can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Reported Status : Collection Issue : I have no knowledge of this alleged account. XXXX XXXX XXXX has failed to provide documentation validating this debt. Continued reporting during a dispute violates FDCPA and FCRA requirements. Immediate deletion is required absent proper validation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Reported Status : Collection Issue : This account is inaccurately reported without lawful proof of debt ownership or balance accuracy. I dispute this account in full. Failure to provide verification requires removal under federal credit reporting law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Reported Status : Collection Issue : I have no knowledge of this debt and no validation has been provided. Reporting collection accounts without verification violates 15 U.S.C. 1692 and 1681. If XXXX can not validate this account, it must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Reported Status : Collection Issue : This collection account is unverified and disputed. No documentation has been provided showing the debt is accurate or legally owed. Continued reporting is unlawful and requires immediate correction or deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Reported Status : Collection Issue : I have no record or knowledge of this debt. No proper validation has been provided. Reporting unverified collection information violates 15 U.S.C. 1681e ( b ). This account must be deleted if it can not be fully verified. 
XXXX XXXX XXXX : XX/XX/XXXX Reported Type : Inquiry Issue : This inquiry is unauthorized and inaccurate. I did not initiate or consent to this credit check. Reporting without permissible purpose violates FCRA and requires immediate deletion. 
XXXX XXXX  Date : XX/XX/XXXX Reported Type : Inquiry Issue : Duplicate inquiry reported on the same date. Duplicate inquiries inflate credit activity inaccurately. Immediate correction and deletion is required. 
XXXX XXXX  Date : XX/XX/XXXX Reported Type : Inquiry Issue : Duplicate inquiry reported on the same date without authorization. Duplicate inquiry reporting is inaccurate and must be deleted. 
Despite prior disputes, these items remain on my credit report without proper verification or correction. I am requesting that the CFPB require the involved furnishers and credit reporting agencies to conduct a lawful investigation and remove or correct any item that can not be fully verified or shown to have permissible purpose. 
I respectfully request CFPB assistance to ensure compliance with federal consumer protection laws.

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