Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint against Experian, TransUnion, Equifax, and the furnishers named below. My credit reports contain multiple accounts and inquiries that are being reported inaccurately, incompletely, or without proper verification, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Accounts with serious reporting errors : XXXX XXXX Reported as charged off with a balance of {$260.00}, but the payment history is inconsistent, misleading, and not an accurate reflection of my actual payments. 
XXXX XXXX  Reported as charged off with {$850.00} past due ; the reported balance exceeds the original credit limit and the dates/payment history are contradictory and unverifiable. 
XXXX XXXX  Reported as charged off with {$920.00}, but the reporting contains inaccuracies in the balance owed and the delinquency timeline. 
XXXX XXXX XXXX Reported as charged off with {$550.00}, with errors in delinquency reporting that can not be substantiated. 
XXXX XXXX This account was paid and closed, yet the bureaus continue to show late payments in XXXX that are inaccurate and damaging. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$120.00} ) This collection is not valid, was not authorized, and can not be verified. 

Unauthorized hard inquiries that I did not approve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not apply for credit with these companies on those dates ; these inquiries should not appear on my credit file. 

These items are being reported in a way that is inaccurate, misleading, and/or unverifiable. Under the FCRA, the nationwide consumer reporting agencies must ensure maximum possible accuracy ( 1681e ( b ) ) and conduct proper reinvestigations of disputed items ( 1681i ). The furnishers listed above also have duties to reasonably investigate and correct inaccurate information ( 1681s-2 ( b ) ). Failure to correct or delete unverifiable information after reinvestigation violates federal law. 

Harm caused : My credit scores have been unfairly lowered. 
I have been denied or restricted from fair credit opportunities. 
Negative items that should not exist remain on my reports, damaging my financial stability.

Requested resolution ( for all three bureaus and all furnishers ) : 1. Conduct a full, documented reinvestigation of each disputed account and inquiry.

2. Delete all information that can not be fully verified with proper documentation.

3. Correct all inaccurate payment reporting and remove the unauthorized hard inquiries. 
XXXX. Update all three credit files ( Experian, TransUnion, Equifax ) to reflect accurate information only and provide written confirmation of results within 30 days. 

If any bureau or furnisher continues reporting information that is inaccurate, incomplete, or unverifiable, I reserve all rights to pursue further remedies under the FCRA.

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