Consumer complaint received 2025-12-22 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 continued inaccurate and unverifiable credit reporting that remains unresolved despite multiple written disputes This is my third attempt to resolve these issues through proper dispute channels My prior disputes have not resulted in correction and my credit report continues to display information that does not comply with federal consumer protection laws I have not yet submitted an FTC report and this CFPB complaint is currently open due to noncompliance XXXX  Account XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment reporting is inaccurate I have never made a late payment on this account and the account reflects a XXXX balance Under FCRA 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ) information furnished must be complete and accurate I am disputing the late payment history only and requesting correction of the payment history to reflect accurate reporting XXXX  Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment reporting is inaccurate and unsupported by any evidence of delinquency This account is paid with no balance and late payment history is being reported incorrectly Under FCRA 1681i ( a ) you are required to conduct a reasonable investigation and correct any inaccurate payment history XXXX  Account XXXXXXXX XXXX XXXX  Duplicate reporting with Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This appears to be repetitive inaccurate reporting of the same tradeline Furnishing duplicate or inconsistent negative data violates FCRA 1681e ( b ) and must be corrected immediately XXXX Account XXXXXXXX XXXX XXXX Duplicate reporting with Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This duplicate entry continues to inaccurately reflect late payments on a XXXX balance account I am requesting correction of the payment history to accurately reflect on-time payments only XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge Off This reporting is inaccurate A charge-off can not legally remain when the balance is reported as zero without clear and accurate accounting Under FCRA 1681s-2 ( b ) and 1681i ( a ) this account must be corrected to reflect accurate status or removed if unverifiable XXXX XXXX Account XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX High Balance {$87.00} Collection I have no knowledge of this alleged debt and no contract or validation has ever been provided Under FDCPA 15 U.S.C. 1692g you are required to provide proper validation and cease collection and reporting activity until such validation is supplied If validation can not be produced this account must be deleted XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and no permissible purpose has been provided Under FCRA 1681b any inquiry without a valid permissible purpose must be removed immediately Despite repeated disputes these inaccuracies remain on my credit report demonstrating failure to conduct a reasonable investigation and failure to correct or delete unverifiable information I am requesting CFPB assistance to ensure compliance with federal law and immediate correction or deletion of the items listed above I respectfully request written confirmation of all corrective 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