Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and unverified credit reporting that remains on my consumer credit file despite my good-faith efforts to dispute the information directly with the consumer reporting agencies. The furnishers listed below are reporting data that does not meet the Fair Credit Reporting Act requirements for accuracy, completeness, and proper investigation under 15 U.S.C. 1681, 1681e ( b ), and 1681s-2 ( b ). These ongoing inaccuracies are causing continued harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : This account is inaccurately reporting late payments despite a XXXX balance. I did not make any late payments as reported. The payment history being furnished is incorrect and unverified. Under FCRA 1681s-2 ( a ), furnishers must report accurate payment history. I am disputing the late payment notation only and demanding correction of the payment history to reflect accurate information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$81.00} | Status : Chargeoff Issue : This charge-off is reporting without proof of accuracy, lawful obligation, or complete account history. The information lacks proper verification and violates FCRA accuracy and completeness standards. I am requesting immediate investigation and deletion if verification can not be produced. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$100.00} | Status : Chargeoff Issue : This account is inaccurately reported as a charge-off without evidence supporting the status, balance, or charge-off determination. Any reporting that can not be substantiated with proper records is unlawful under FCRA 1681i. I am disputing the accuracy of this charge-off and demanding correction or deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$220.00} | Status : Late Payment Issue : Late payment history is being reported inaccurately. The payment history does not reflect actual activity and has not been properly verified. Under FCRA requirements, inaccurate late payment reporting must be corrected. I am disputing the late payment notation only and requesting correction of the payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2000.00} | Status : Chargeoff Issue : This account is reporting a charge-off without complete verification, contractual proof, or accurate accounting. Incomplete and unverified charge-off reporting violates FCRA standards. I am requesting full investigation and deletion if proper verification can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : A XXXX-balance account is reporting late payments inaccurately. This reporting is misleading and does not reflect accurate payment behavior. I am disputing the late payment history only and requesting immediate correction in compliance with FCRA accuracy requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payment reporting on an account with a XXXX balance is inaccurate and unsubstantiated. Furnishers are required to ensure payment history accuracy under federal law. I am disputing the late payment notation and requesting correction of the reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : This account is reporting late payments despite a XXXX balance. The payment history is inaccurate and does not reflect my actual payment behavior. Under FCRA 1681s-2 ( a ), furnishers must report accurate payment history. I am disputing the late payment notation only and requesting correction of the payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payment information is being reported inaccurately on a XXXX-balance account. This reporting is misleading and unverified. I am disputing the late payment history only and requesting correction in compliance with FCRA accuracy requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : This account shows late payments that are not accurate. Furnishers are required to ensure payment history reflects verified activity. I am disputing the late payment reporting only and requesting correction of the payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payment reporting on this XXXX-balance account is inaccurate and unsupported. Continued reporting without verification violates FCRA 1681e ( b ). I am requesting correction of the late payment history only. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$220.00} | Status : Chargeoff Issue : This account is reporting as a charge-off without proper verification, documentation, or proof that the balance and charge-off status are accurate. Under FCRA 1681i, this item must be fully investigated and deleted if it can not be verified with competent evidence. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : This account is inaccurately reporting late payments on a XXXX balance. The information is incomplete and misleading. I am disputing the late payment notation only and requesting correction of the payment history. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payment history is being reported inaccurately and has not been properly verified. Under the FCRA, inaccurate payment history must be corrected. I am disputing the late payment reporting only. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Inaccurate late payment reporting is appearing on this account despite a XXXX balance. This violates FCRA accuracy and completeness standards. I am requesting correction of the late payment history only. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$17000.00} | Status : Late Payment Issue : This account is reporting late payments inaccurately. The payment history does not reflect verified or accurate activity. Under FCRA 1681s-2 ( a ), furnishers must ensure accurate payment reporting. I am disputing the late payment notation only and requesting correction of the payment history. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment Issue : Late payment history is being reported on a XXXX-balance account without proper verification. This reporting is misleading and inaccurate. I am disputing the late payment history only and requesting correction in compliance with FCRA accuracy requirements. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1200.00} | Status : Chargeoff Issue : This account is reporting as a charge-off without competent evidence verifying the balance, charge-off status, or completeness of the account history. Under FCRA 1681e ( b ) and 1681i, unverified charge-off reporting must be corrected or deleted. I am requesting full investigation and deletion if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$180.00} | Status : Collection Issue : This collection account is reporting without proper validation or verification of accuracy. The reporting is incomplete and misleading. Under FCRA 1681i, this item must be fully investigated and deleted if it can not be verified with reliable documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$330.00} | Status : Collection Issue : This collection account is reporting inaccurate and unverified information. No evidence has been provided establishing the accuracy or legal basis of this account. I am disputing the entire collection and requesting deletion if proper verification can not be supplied. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry appears on my credit report without proof of permissible purpose or my authorization. Under FCRA 1681b, inquiries must have a valid permissible purpose. I am disputing this inquiry and requesting removal if authorization can not be documented.

I am requesting that the CFPB require the above furnishers and consumer reporting agencies to conduct a lawful reinvestigation, correct all inaccurate payment histories, and delete any accounts or inquiries that can not be fully verified in compliance with the Fair Credit Reporting Act. I also request written confirmation of all actions taken to resolve these violations.

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