Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am submitting this formal dispute to request a thorough reinvestigation of multiple items on my credit report that are inaccurate, incomplete, or unverifiable. These discrepancies are materially impacting my creditworthiness and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain only accurate, complete, and verifiable information. 
Late Closed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} This account is reported as late closed ; however, the reported status and any alleged negative information do not align with my records. According to my account documentation, all payments were made timely, and no delinquency should be reflected. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy. I request a full verification directly with the creditor to reconcile this discrepancy. If the bureau can not provide documentation verifying any late activity, this entry must be corrected or removed. 
Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} These accounts are being reported as charge-offs ; however, there are inconsistencies regarding balances, reporting dates, and account status. My internal records and statements show discrepancies with the amounts reported and the status of these accounts. FCRA 607 ( b ) and 611 ( a ) [ 15 U.S.C. 1681e ( b ), 1681i ] require that all data be accurate and verifiable. 
I request that each account be thoroughly reinvestigated with the original creditors. Any reported balances, dates of charge-off, or late payment history must be verified directly with the creditor. If the information can not be substantiated, it must be corrected or removed from my credit file. Accurate reporting of these accounts is essential, as inaccurate charge-off information can significantly affect my credit profile and borrowing opportunities. 
Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} These collection accounts reflect balances and reporting statuses that are inconsistent with my records. Some balances do not match amounts communicated to me by the original creditors, and reporting dates appear inaccurate. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], the credit bureau must reinvestigate all collection accounts and verify all information with the original creditors. Any entries that can not be fully verified must be corrected or removed. I request written confirmation of the verification process, including the furnishers details, to ensure the accuracy of my credit report. 
Foreclosure XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$160000.00} The reported foreclosure contains inconsistencies in balance and status. My records indicate that certain balances and dates differ from the information reported. Under FCRA 611 ( a ), I request that this account be fully verified with the original creditor. If the reported details can not be substantiated with documentation from the creditor, the account must be corrected or removed. Accurate reporting of foreclosure information is critical, as errors of this magnitude severely impact creditworthiness and financial standing. 
Inquiries Included in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these inquiries as they may not have a verifiable permissible purpose under FCRA 604 ( a ) [ 15 U.S.C. 1681b ]. Some of these inquiries appear without proper supporting documentation, and I request that each be verified directly with the furnisher. Any inquiry that can not be substantiated must be corrected or removed to ensure my credit report reflects only accurate and properly authorized credit activity. Additionally, I request written documentation confirming the legitimacy of each inquiry, including the name, address, and telephone number of the furnisher, in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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