Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding numerous legal violations and unresolved credit reporting errors on my consumer report dated XX/XX/year>, from a major credit reporting agency. 

First, several addresses are reported that do not belong to me and were never used in connection with any authorized account. The inclusion of these addresses violates : XXXX U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to reinvestigate disputed personal information I am also disputing the following derogatory accounts, each of which includes inaccurate, unverifiable, or outdated information : XXXX XXXX XXXX ( XXXX ) A collection account showing {$2600.00} past due, with no validation ever received. Violates : FCRA XXXX ( b ), XXXX, XXXX ( b ) FDCPA XXXX ( b ) No debt validation FDCPA XXXX ( XXXX ) Failure to mark account as disputed XXXXXXXX XXXX XXXX  Charged off with {$3100.00} past due and over 16 months of derogatory reporting. Violates : FCRA XXXX ( b ) Inconsistent data reporting FCRA XXXX ( a ) ( XXXX ) Reporting derogatory data beyond permissible time limits XXXX  XXXX ( XXXX separate accounts ) All are charged off or settled, totaling over {$10000.00}, with inconsistent late payment history and balances. These accounts violate : FCRA XXXX ( b ) Failure to correct known errors FCRA XXXX Time-barred reporting on at least XXXX account FCRA XXXX ( b ) Duplicate negative history and unverified status SYNCB/Sams Club Charged-off account showing XXXX  months of negative reporting and a balance exceeding the original credit limit. Violates : FCRA XXXX ( b ) Overreporting and inaccurate balance FCRA XXXX Failure to resolve previous dispute XXXX ( Student Loan Servicer ) Reporting over {$6500.00} past due and multiple XXXX  day delinquencies. No updated forbearance or hardship status was communicated. Violations include : FCRA XXXX ( b ), XXXX ( b ) Misreporting and failure to investigate XXXX XXXX et seq. Lack of clear disclosures on payment due dates and default status Higher Education Act XXXX Servicing negligence and lack of borrower communication XXXX XXXX  XXXX reported late payments, some disputed as inaccurate and not addressed during dispute attempts. Violates : FCRA XXXX ( b ) Furnisher duty to correct after dispute FCRA XXXX XXXX b ) Continued reporting of incorrect delinquencies XXXX XXXX XXXX closed auto loan with a single reported late payment that was not properly validated or corrected. Violates : FCRA XXXX ( b ) Payment reporting inconsistency FCRA XXXX Failure to properly reinvestigate dispute These inaccuracies remain on my report despite prior written disputes, and no proper reinvestigation has been completed. The listed companies and the credit reporting agency have failed to meet their obligations under federal law, including : Fair Credit Reporting Act ( FCRA ) XXXX ( b ), XXXX, XXXX, XXXX ( b ) Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ), XXXX ( XXXX ) Truth in Lending Act ( TILA ) XXXX et seq. 

Higher Education Act ( HEA ) XXXX I am requesting the Consumer Financial Protection Bureau ( CFPB ) to require that the credit reporting company and the listed furnishers either verify the disputed items with full documentation or immediately delete them as required under federal law. The continued reporting of unverifiable and inaccurate information is causing significant and unjustified harm to my credit standing.

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