Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 Issue : Reporting a charge-off without verification or proper documentation Story : I never received any written validation regarding this account. The balance and charge-off status are unverified and inaccurate. This item was previously disputed, and no new information has been provided. Please conduct a full reinvestigation or remove the item immediately. 

ACCOUNT XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * Law : FCRA 623 ( a ) ( 5 ), FCRA 611 Issue : Duplicate account reporting and unverifiable information Story : This appears to be a duplicate of the previously listed account with a different open date. This duplication is misleading and inaccurate. I demand immediate deletion of this item unless full documentation is provided. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge Off * * Law : FCRA 607 ( 2 ), 611 ( a ) ( 1 ) ( A ) Issue : Charge-off reported on federal student loan, which may be inaccurately classified Story : Federal student loans are not usually reported as charge-offs. This classification may harm my credit profile. I request verification of this status with supporting documentation, or it must be deleted. 

ACCOUNT XXXX  ( Original Creditor : XXXX XXXX XXXX AT XXXX XXXX A ) # XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Collection * * Law : FDCPA 809 ( b ), FCRA 611 Issue : No debt validation received from collector Story : I requested validation from this collector but received no documentation proving the debts legitimacy. Reporting this collection without proper validation violates my rights. Please remove this entry. 

ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX HELPING HA ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection * * Law : FDCPA XXXX ( b ), FCRA XXXX Issue : Reporting inaccurate balance without validation Story : The balance listed is incorrect and has not been validated. Ive received no response from the collector when I requested proof of the debt. This item must be removed until proper verification is provided. 

ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SIGNATURE ) # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Collection * * Law : FCRA XXXX, FDCPA XXXX ( XXXX ) Issue : Debt reported without sufficient proof Story : I have no knowledge of this debt. No notice was sent, and no validation has been provided. This violates my rights under federal law. Please delete this collection immediately. 

ACCOUNT FRONTIER SYS ( Original Creditor : VERNAL URGENT CARE ) # XXXX * * Date Opened : XX/XX/XXXX Balance : {$1100.00} Collection * * Law : FDCPA XXXX, FCRA XXXX ( b ) Issue : Collection reported without debt validation or medical billing consent Story : I was never billed for this medical service, and I never authorized third-party reporting. XXXX and FCRA protections apply. Please remove this from my credit file. 

LATE PAYMENT ACCOUNTS ( All XXXX XXXX Entries Listed Below ) Law : FCRA XXXX ( a ) ( XXXX ) ( A ), FCRA XXXX, Higher Education Act Issue : Inaccurate and repeated late payment reporting across federal student loan accounts Story : These entries contain repetitive, excessive, and inconsistent late payment notations across multiple duplicate loans. Many are outdated, potentially obsolete, and lacking verification. I never received proper notices for these late payments. Multiple disputes have been ignored without any meaningful validation. I demand all these entries be thoroughly reinvestigated or removed from my report. The burden of proof lies with the furnisher. 
XXXXXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX Balance : {$3300.00} Late Payment I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my XXXX XXXX, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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