Consumer complaint received 2025-12-23 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:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act by credit reporting agencies and data furnishers. Despite prior disputes, inaccurate, unverifiable, and unauthorized information continues to be reported on my consumer credit file in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. The following items remain unresolved and require immediate CFPB review and corrective action. 
ACCOUNT : XXXX XXXX XXXX * DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$85000.00} ISSUE : LATE PAYMENT DISPUTE DETAILS : This account is inaccurately reporting late payments. I never made any late payments on this account. The payment history is incorrect and does not reflect my actual record. Under 15 U.S.C. 1681e ( b ), inaccurate payment history must be corrected. If the furnisher can not provide verified proof of each alleged late payment, the late payment history must be removed and corrected to accurate status. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$250.00} ISSUE : CHARGE OFF DISPUTE DETAILS : I do not recognize this charge-off as reported. This account is not familiar to me and has not been properly verified. Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation. If the furnisher can not provide complete contractual documentation and payment history, this account must be deleted. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$170.00} ISSUE : CHARGE OFF DISPUTE DETAILS : This account is reporting a charge-off that I do not recognize as accurate. No verified documentation has been provided showing how this balance became a charge-off. Reporting unverified charge-offs violates 15 U.S.C. 1681e ( b ). Please investigate and delete if unverifiable. 
ACCOUNT : XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$740.00} ISSUE : CHARGE OFF DISPUTE DETAILS : I dispute the accuracy of this charge-off. The reporting is incomplete and lacks proper verification. Under 15 U.S.C. 1681i, unverifiable accounts must be removed from my credit file. 
ACCOUNT : PERPAY XXXX * DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$990.00} ISSUE : CHARGE OFF DISPUTE DETAILS : This charge-off is not properly documented or verified. I am requesting full validation of this account. If validation can not be produced, continued reporting is unlawful and deletion is required. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$1000.00} ISSUE : CHARGE OFF DISPUTE DETAILS : This account is reporting a charge-off without verified proof of accuracy. Under the FCRA, you must delete any account that can not be fully verified during reinvestigation. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$22000.00} ISSUE : LATE PAYMENT DISPUTE DETAILS : Late payment reporting on this account is inaccurate. I did not make late payments as reported. This false payment history must be corrected under 15 U.S.C. 1681e ( b ). If accuracy can not be verified, the late payment entries must be removed. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$0.00} ISSUE : LATE PAYMENT DISPUTE DETAILS : This account is incorrectly reporting late payments despite a XXXX balance. The payment history is inaccurate and misleading. Please correct the reporting or remove the late payment entries if unverifiable. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$1500.00} ISSUE : CHARGE OFF DISPUTE DETAILS : I dispute this charge-off as inaccurate and unverified. The FCRA requires complete and accurate reporting. If the furnisher can not provide full documentation, this account must be deleted. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$0.00} ISSUE : CHARGE OFF DISPUTE DETAILS : A charge-off with a XXXX balance is being reported without proper explanation or verification. This reporting is inaccurate and misleading. Please investigate and remove if unverifiable. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$0.00} ISSUE : CHARGE OFF DISPUTE DETAILS : This account is reporting a charge-off despite showing a XXXX balance. This information is inconsistent and inaccurate. Under the FCRA, inaccurate or unverifiable reporting must be deleted. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$0.00} ISSUE : LATE PAYMENT DISPUTE DETAILS : This account is inaccurately reporting late payments. I did not make any late payments on this account. Reporting late payments with a XXXX balance is misleading and inaccurate. Under 15 U.S.C. 1681e ( b ), the payment history must be corrected. If verification can not be provided, the late payment history must be removed. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$0.00} ISSUE : CHARGE OFF DISPUTE DETAILS : This account is reporting a charge-off despite a XXXX balance. This information is inaccurate and inconsistent. Under 15 U.S.C. 1681i, any account that can not be fully verified with complete documentation must be deleted. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE REPORTED : {$770.00} ISSUE : COLLECTION DISPUTE DETAILS : I do not recognize this collection account as reported. This account has not been properly verified. Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation. If validation can not be provided, this account must be deleted. 
INQUIRY : XXXX XXXX XXXX DATE : XX/XX/XXXX DISPUTE DETAILS : I do not recognize or authorize this inquiry. No permissible purpose has been established. Please delete this inquiry immediately under the Fair Credit Reporting Act. 
INQUIRY : XXXX  DATE : XX/XX/XXXX DISPUTE DETAILS : I did not authorize this inquiry. No permissible purpose exists for this credit pull. Immediate removal is required.

I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act. I am requesting correction or deletion of all inaccurate, unverifiable, and unauthorized items listed above and written confirmation of the actions taken.

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