Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am submitting this complaint because multiple accounts on my credit report are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). I have no knowledge of several of these accounts, and the late payment and charge-off statuses being reported are false, unverified, and causing severe damage to my credit standing. I am requesting a full investigation, verification of all data, and immediate correction or deletion of any information that can not be 100 % proven with legally required documentation. Below are the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX  | High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Late Payment | I dispute the late payment history because I never made any late payments on this account. The creditor has failed to provide proper verification. This reporting is inaccurate and must be corrected. 
XXXX XXXXXXXX XXXX XXXX  | High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Late Payment | The late payment notation is not accurate. I did not make late payments and the furnisher has not provided any evidence of delinquency. Please correct the reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX | High Balance : {$1600.00} | Date Opened : XX/XX/XXXX | Charge Off | I have no knowledge of this alleged charge-off account. I am requesting complete validation. If the creditor can not provide legal documentation proving ownership and liability, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX | High Balance : {$240.00} | Date Opened : XX/XX/XXXX | Late Payment | I dispute the late payment status. I never paid late on this account and no proper verification has been provided. Please correct the payment history. 
XXXX XXXX XXXX XXXX XXXX  | High Balance : {$2300.00} | Date Opened : XX/XX/XXXX | Charge Off | I do not recognize this account. The charge-off is unverified, inaccurate, and unsupported by documentation. I request deletion if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX | High Balance : {$740.00} | Date Opened : XX/XX/XXXX | Charge Off | I have no knowledge of this account. The reporting is inaccurate, unverified, and must be removed if it can not be authenticated with original documents. 
XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Charge Off | I dispute this account entirely. It appears fraudulent or misreported. The furnisher has not provided evidence proving the debt. Please delete for failure to verify. 
XXXX XXXX XXXX XXXX XXXX | High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Charge Off | I do not recognize this account. This charge-off listing is unverified and inaccurate. I am demanding validation or removal according to FCRA guidelines. 
XXXX XXXX XXXX XXXX | High Balance : {$2600.00} | Date Opened : XX/XX/XXXX | Collection | I have no knowledge of this collection account. The creditor has not validated this debt. Reporting must be removed if proof is not provided.

XXXX XXXX XXXX XXXXXXXX XXXX XXXX | High Balance : {$8100.00} | Date Opened : XX/XX/XXXX | Collection | This collection account is unknown to me. Verification has not been provided. Please delete if the furnisher can not produce original signed documentation. 
XXXX XXXXXXXX XXXX | High Balance : {$790.00} | Date Opened : XX/XX/XXXX | Collection | I dispute this collection entirely. No proof of debt has been presented. Remove this account for failure to verify as required under the FCRA.

XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$1600.00} | Date Opened : XX/XX/XXXX | Collection | I do not recognize this account. The information is unverified, inaccurate, and damaging. If legally valid documentation can not be provided, this item must be deleted.

I am requesting that the CFPB assist in compelling the furnishers and credit bureaus to follow the FCRA, provide complete verification, and correct or delete all inaccurate, unverified, or fraudulent information.

Requested Resolution : Full investigation, verification of every disputed account, correction of inaccurate late payments, and deletion of any unverifiable charge-offs or collections.

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