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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While reviewing my credit report, I was alarmed to see the account XXXX XXXX XXXXXXXX XXXX XXXX listed as open with a balance of {$440000.00} XXXX XXXX, opened on XX/XX/XXXX and last active on XX/XX/XXXX, with a XXXX late reported. This information does not align with my records and causes me significant concern regarding its accuracy and potential effect on my creditworthiness. I have maintained meticulous records of all my accounts, and this late or open status does not reflect my actual payment history. Under FCRA 1681i ( a ) ( 1 ), I am entitled to a thorough reinvestigation of any disputed information to ensure its accuracy. I request that you provide all documentation supporting this reported late payment, including statements, communications, or other proof relied upon. If the reported information can not be fully verified, I request that it be corrected or updated immediately to reflect my true account history, as required by law. The presence of such an inaccuracy is causing undue stress and may interfere with my ability to obtain credit or other financial opportunities. 
Additionally, I dispute the accuracy of multiple charge-off accounts listed on my report. These include XXXX XXXXXXXX XXXX XXXX  ( {$630.00} ), XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$2800.00} ), and XXXX XXXXXXXX XXXX ( {$2300.00} ) XXXX XXXX Upon reviewing my personal records, the balances and statuses reported are inaccurate or unverifiable. These discrepancies misrepresent my financial responsibility and have caused me significant concern about the impact on my creditworthiness. I request that you provide all statements, correspondence, or evidence used to report these charge-offs. Any inaccuracies must be corrected or updated in accordance with FCRA 1681i ( a ) ( 1 ) to ensure that my credit report reflects the correct balances, account statuses, and payment history. Accurate reporting of these charge-offs is essential for protecting my financial reputation and ensuring my credit file is a truthful reflection of my financial history. 
Finally, I am disputing several collection accounts and inquiries that are reported inaccurately. The collections include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received sufficient documentation to verify these debts, and their inclusion on my credit report has caused me undue stress. Additionally, the inquiry XXXX XXXX XX/XX/XXXX appears without proper verification or evidence of permissible purpose. Under FCRA 1681i ( a ) and 1681b ( f ), all reported collections and inquiries must be accurate and fully verifiable. I request a full reinvestigation of these accounts and the inquiry, including all statements, authorization documentation, and verification of the original creditor information. Any item that can not be verified must be corrected, updated, immediately to ensure that my credit report accurately reflects my true financial history and remains in compliance 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