Consumer complaint received 2025-12-23 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:
To Whom It May Concern, I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information that continues to be reported on my consumer credit report. Despite my good-faith efforts to resolve these matters directly through disputes, the furnishers and consumer reporting agencies have failed to ensure maximum possible accuracy and have not conducted reasonable investigations as required by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and not properly substantiated. The reporting lacks a complete account history, fails to show how the account became delinquent, and does not demonstrate compliance with FCRA accuracy standards. No competent evidence has been provided validating the charge-off status. If this account can not be fully verified with complete documentation, it must be deleted. 
XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This account is reporting a charge-off that is incomplete and misleading. The tradeline does not reflect accurate payment history or a lawful basis for the charge-off. Reporting unverifiable derogatory information violates the FCRA. I am requesting a full investigation and deletion if verification can not be produced. 
XXXX / XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment notation on this account is inaccurate. My records do not support any late payments being made. Reporting incorrect delinquency history is misleading and materially inaccurate. I am requesting correction of the payment history only to reflect accurate, on-time payments. 
XXXX XXXX  XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$3.00} | Status : Late Payment This account is incorrectly reporting late payments. The reported delinquency is not supported by accurate payment records. Furnishing inaccurate payment history violates the requirement for maximum possible accuracy. Please correct the payment history to reflect accurate information only. 
XXXX / XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$10.00} | Status : Late Payment The late payment status being reported is inaccurate and incomplete. The account history does not support delinquency as reported. I am disputing the payment history and requesting correction in compliance with the FCRA. 
XXXX  XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Status : Late Payment This tradeline reflects late payment information that is inaccurate and misleading. My payment history does not justify the delinquency reported. I am requesting correction of the payment history only after a reasonable investigation. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and unverifiable. The tradeline lacks a complete account history and fails to demonstrate how the account became delinquent. No competent documentation has been provided to substantiate the charge-off. If this account can not be fully verified, it must be deleted. 
XXXX XXXXXXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This account is reporting a charge-off without proper verification. The information furnished is incomplete and misleading. Please conduct a reasonable investigation and delete this account if it can not be validated as accurate. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off The charge-off status reported is not supported by complete or accurate documentation. Reporting unverifiable derogatory information violates the FCRA. Deletion is required if proper verification can not be produced. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is disputed due to inaccurate and incomplete reporting. The tradeline does not meet FCRA standards for accuracy and completeness. Please delete if full verification can not be established. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment reporting on this account is inaccurate. My records do not support any late payments. I am requesting correction of the payment history only to reflect accurate information. 
XXXX XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment This account is incorrectly reporting late payments. The delinquency information is inaccurate and misleading. Please investigate and correct the payment history accordingly. 
XXXX XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The payment history being reported is inaccurate. I dispute the late payment status and request correction only in compliance with the FCRA. 
XXXX  XXXX | Account : XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and not properly substantiated. The reporting lacks sufficient documentation. If this account can not be fully verified, it must be deleted. 
XXXX  XXXX | Account : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off The charge-off status is disputed due to incomplete and unverifiable reporting. Please delete this tradeline if it can not be validated under the FCRA. 
XXXX  XXXX | Account : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This account is reporting a charge-off without proper verification. Reporting inaccurate derogatory information violates federal law. Deletion is requested if verification can not be provided. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$510.00} | Status : Collection I dispute this collection account due to lack of proper verification. No documentation has been provided showing a valid debt or legal obligation. Under the FCRA, this account must be deleted if it can not be fully verified. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX | Opened : XX/XX/XXXX | Balance Owed : {$2500.00} | Status : Collection This collection account is inaccurate and unverifiable. The tradeline lacks proof of obligation and proper validation. Please delete this account if full verification can not be established. 
XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$1400.00} | Status : Collection I dispute this collection account due to lack of proper verification. No documentation has been provided showing a valid obligation, ownership of the debt, or accurate account history. If this account can not be fully verified, it must be deleted. 
XXXX XXXX | Account : XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$1500.00} | Status : Collection This collection is inaccurate and unverifiable. The tradeline lacks proof of liability and complete validation. Please delete this account if full verification can not be produced. 
XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge-Off This charge-off is inaccurate and not properly substantiated. The reporting does not demonstrate how the account became delinquent or charged off. If this account can not be verified as accurate and complete, it must be deleted. 
XXXX XXXX XXXX  | Reference : XXXX | Filed/Reported : XX/XX/XXXX | Status : Bankruptcy This entry appears to be a duplicate or improperly formatted bankruptcy record. Duplicate reporting is misleading and must be corrected or deleted. 
XXXX XXXX / XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry lacks permissible purpose and must be deleted. 
XXXX / XXXX XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry Unauthorized inquiry. Please remove. 
XXXX XXXX / XXXX | Date : XX/XX/XXXX | Type : Inquiry I dispute this inquiry as unauthorized. 
XXXX XXXX | Date : XX/XX/XXXX | XXXX : XXXX XXXX inquiry on the same date. Please delete any redundant or unauthorized entry. 
XXXX / XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry Unauthorized inquiry. Deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry was not authorized. Please remove. 
XXXX XXXX XXXX / XXXX | Date : XX/XX/XXXX | Type : Inquiry No permissible purpose exists for this inquiry. Deletion is requested. 
XXXX / XXXX | Date : XX/XX/XXXX | XXXX : XXXX XXXX inquiry. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX | Type : Inquiry This inquiry is disputed as unauthorized. 
XXXX/ XXXX XXXX | Date : XX/XX/XXXX | XXXX : XXXX XXXX or unauthorized inquiry. Please remove. 
I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act. These inaccurate items should be corrected or deleted immediately, and written confirmation should be provided. Continued reporting of unverifiable or unauthorized information causes ongoing harm and reflects failure to comply 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