Consumer complaint received 2025-12-18 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 to formally report ongoing violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who continue to report inaccurate, unverified, and unauthorized information on my credit report despite their legal obligations under 15 U.S.C. 1681. I have previously reviewed my credit file and identified serious errors that have not been properly investigated or corrected, causing continued harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge-Off This account is reporting as a charge-off while showing a zero balance, which is internally inconsistent and misleading. A charge-off with a zero balance raises questions regarding the accuracy of the reporting and whether the account has been properly updated. I have not been provided documentation showing the basis for the charge-off status. Under FCRA 1681i, this account must be fully investigated and deleted if it can not be properly verified. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge-Off This account is inaccurately reporting a charge-off status with no balance owed. I dispute the accuracy of this reporting and request verification of the original agreement, payment history, and the specific reason for the charge-off. If such documentation can not be produced, this account must be deleted under FCRA 1681i. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This account is reporting late payments despite a zero balance and no clear explanation. I dispute the late payment status and request removal if verification can not be provided. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment This account is reporting late payments despite showing a zero balance. The reporting is incomplete and misleading and fails to explain how late payments were determined. This violates the accuracy and completeness requirements of the FCRA. If proper documentation can not be produced, the late payment history must be deleted. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$1100.00} Charge-Off I dispute the accuracy of this charge-off reporting. I have not been provided documentation showing the basis for the charge-off, the final billing statement, or a complete accounting of the balance. Under FCRA 1681i, this account must be fully verified or removed if verification can not be completed. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$10000.00} Charge-Off This account is reporting a charge-off that I dispute as inaccurate. The credit report does not include evidence of proper notice, billing statements, or a verified payment history supporting the charge-off status. Reporting an unverified charge-off violates FCRA 1681e ( b ) and requires deletion if not fully substantiated. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Charge-Off This account is inaccurately reporting a charge-off despite showing no balance owed. I dispute the accuracy of this reporting and request verification of the original agreement, payment history, and reason for the charge-off. Absent proper verification, deletion is required. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$360.00} Charge-Off I dispute the charge-off status being reported. The credit report does not include documentation supporting the charge-off or proof that the balance is accurate. This reporting must be verified or removed pursuant to FCRA 1681i. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$2000.00} Collection I have no knowledge of this collection account and dispute its accuracy. The reporting does not show validation of the debt, proof of ownership, or documentation that this account belongs to me. Under FCRA 1681b and 1681s-2, this account must be deleted if proper validation can not be provided. 
XXXX XXXX Account # XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$5200.00} Collection I have no knowledge of this collection account and dispute that it belongs to me. The reporting does not include validation of the debt, proof of ownership, or documentation showing how this balance was calculated. Under FCRA 1681b and 1681i, this account must be deleted if proper verification can not be provided. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX I dispute this inquiry as unauthorized. I did not apply for credit with this company, nor did I provide written or electronic authorization. Under FCRA 1681b, this inquiry must be removed if permissible purpose can not be demonstrated. 
XXXX XXXX XXXX Date XX/XX/XXXX This inquiry was not authorized by me. There is no record of a credit application or consent. Unauthorized inquiries constitute inaccurate reporting and must be deleted. 
XXXX XXXX XXXX Date XX/XX/XXXX This is an additional inquiry reported without my authorization. Duplicate or unauthorized inquiries violate FCRA requirements and must be removed. 
XXXX XXXX Date XX/XX/XXXX I did not apply for credit with Macys/CBNA on this date. This inquiry is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I dispute this inquiry as unauthorized. There is no permissible purpose documented for this access to my credit report. 
I am requesting that the CFPB require the involved consumer reporting agencies and furnishers to immediately conduct a lawful reinvestigation, provide documented proof of accuracy and authorization, and permanently delete any account or inquiry that can not be fully verified. I am also requesting written confirmation of all corrections made to my credit report. 
I appreciate the CFPBs assistance in enforcing compliance with the Fair Credit Reporting Act and protecting my rights as a consumer.

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