Consumer complaint received 2025-12-26 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 formal complaint regarding inaccurate credit reporting and the failure of credit reporting agencies and furnishers to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I previously disputed the accounts and inquiries listed below directly with the credit bureaus. Despite my dispute, these items continue to be reported inaccurately and without proper verification. As of today, the issues remain unresolved, requiring CFPB review and intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off Issue : This account is reporting a charge-off status with a zero balance, which is inaccurate and misleading. A charge-off with no balance owed lacks factual accuracy and proper documentation. Please provide full verification or correct/delete this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off Issue : This account is inaccurately reporting a charge-off despite showing a zero balance. If no balance is owed, continued reporting of a charge-off is improper. Please verify with original account records or correct/remove this tradeline. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not provide consent for this inquiry. Proof of authorization is required or deletion must occur. 
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Issue : This inquiry was not authorized by me. Please delete for lack of permissible purpose. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I dispute this inquiry as unauthorized and request immediate removal. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Duplicate and unauthorized inquiry. No permissible purpose was granted. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry. Please delete unless verified. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry. Must be removed under FCRA. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No authorization was given for this inquiry. Request deletion. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I dispute this inquiry as inaccurate and unauthorized. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry lacks permissible purpose and must be removed. 
Despite my prior disputes, the credit bureaus and furnishers failed to correct or remove the above items and did not provide adequate verification. This demonstrates a failure to comply with their obligations under 15 U.S.C. 1681 and 1681s-2.

I respectfully request that the CFPB require the involved parties to conduct a lawful reinvestigation and to correct or delete any information that can not be fully verified with proper documentation. 
Thank you for your attention to this matter.

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