Consumer complaint received 2025-12-15 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 regarding ongoing inaccurate credit reporting that has not been properly resolved despite prior disputes. I have contacted the credit reporting agencies and furnishers multiple times regarding the items listed below, yet these inaccuracies remain on my credit file. This complaint is being submitted while my reinvestigation requests are still unresolved. I have not yet submitted an FTC identity report. 
Under the Fair Credit Reporting Act, including 15 USC 1681e ( b ) and 1681i, furnishers and consumer reporting agencies are required to report information with maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Information that can not be fully verified must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This address does not belong to me. I have no knowledge of this address. Please delete this incorrect address from my credit file as it is inaccurate and does not pertain to my identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} This account is reporting late payments. The late payment history is inaccurate. I did not make late payments as reported. Please investigate and correct the payment history to reflect accurate reporting. I am not requesting deletion of the account, only correction of the inaccurate late payment information. 
XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$460.00} This account is reporting as a charge off. I have no knowledge of this account. Please conduct a full investigation and provide verification. If this account can not be fully verified as mine, it must be deleted or corrected accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$2200.00} This account is reporting as a charge off. I do not recognize this account and have no knowledge of it. Please investigate and remove or correct this item if it can not be verified as accurate and belonging to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$1500.00} This account is reporting as a charge off. I have no knowledge of this account. Please complete a reasonable reinvestigation and delete or correct this item if proper verification can not be provided. 
XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$5300.00} This account is reporting as a charge off. I do not recognize this account and have no knowledge of it. Please investigate and remove or correct this item if it can not be verified. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$2800.00} This account is reporting as a charge off. I have no knowledge of this account. Please conduct a full investigation and delete or correct this item if it can not be properly verified. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$1700.00} This is a collection account that I do not recognize. I have no knowledge of this account. Please investigate and delete this collection if it can not be fully verified as accurate and belonging to me. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$4600.00} This account is reporting late payments. The late payment history is inaccurate. I did not make late payments as reported. Please investigate and correct the payment history to reflect accurate reporting. I am not requesting deletion of the account, only correction of the inaccurate late payment information. 
XXXX Inquiry Date XX/XX/XXXX I did not authorize this inquiry. Please investigate and remove this inquiry if permissible purpose can not be documented. 
XXXX Inquiry Date XX/XX/XXXX This is a duplicate unauthorized inquiry. I did not authorize it. Please investigate and remove accordingly. 
XXXX XXXX Inquiry Date XX/XX/XXXX I did not authorize this inquiry. Please investigate and delete this inquiry if no permissible purpose exists. 
XXXX XXXX Date XX/XX/XXXX I did not authorize this inquiry. Please investigate and remove if permissible purpose can not be verified. 
XXXX XXXX Inquiry Date XX/XX/XXXX I do not recognize this inquiry as authorized. Please investigate and remove this inquiry if permissible purpose can not be shown. 
I am requesting CFPB assistance to ensure that the furnishers and credit reporting agencies comply with the Fair Credit Reporting Act by completing proper reinvestigations, correcting inaccurate late payment reporting, and deleting collection accounts and inquiries that can not be fully verified. I respectfully request that these matters be reviewed and resolved promptly in accordance with federal law.

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