Consumer complaint received 2025-10-27 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 XXXX Concern I am submitting this formal complaint regarding multiple inaccurate and unverifiable items appearing on my credit report. These items are causing significant harm to my credit reputation and financial standing. Despite not having any knowledge of some accounts and never making late payments on others, these items are being reported incorrectly. I request that the CFPB intervene and ensure a thorough investigation and correction or deletion of these inaccurate entries under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Wrong Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FCRA 605B and 611 ( a ), I am demanding these inaccurate addresses be permanently removed from my credit file, as they are not linked to my identity, and their presence XXXX lead to inaccurate reporting of accounts or fraudulent associations. 
Furthermore, I have identified the following accounts that are reported inaccurately and must be reinvestigated immediately. I am requesting correction or deletion where applicable under FCRA 1681i ( a ) due to the accounts being unverifiable, inaccurate, and inconsistent with my credit history. 
XXXX  Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$540.00} Issue : Reported as Charged Off. I have no knowledge or record of this account. This reporting is inaccurate, and I request verification of original documentation, signed agreements, and payment history. If such proof can not be provided, this account must be deleted immediately as it violates FCRA 611 ( a ) ( 5 ). 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$830.00} Issue : Reported as Late Payment. I have never made any late payments on this account. The reporting of delinquencies is false and must be corrected to Paid as Agreed. I am invoking FCRA 607 ( b ) requiring maximum possible accuracy in credit reporting. 
XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$460.00} Issue : Reported as Charged Off. I have no knowledge or documentation proving this account belongs to me. Please provide verifiable evidence of ownership and payment history. Otherwise, it must be deleted for failure to meet verification standards under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$350.00} Issue : Reported as Late Payment. This information is incorrect. I have always maintained on-time payments with this institution. I am requesting a full reinvestigation and correction of all late payment notations to reflect accurate payment history. 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$540.00} Issue : Reported as Late Payment. This is a duplicate and erroneous entry that misrepresents my credit behavior. Please remove the false late payment and update the reporting to reflect the correct, timely payment history. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Issue : Reported as Late Payment. This information is inaccurate. I have never been late or missed any payments. I demand correction and verification from the original creditor, as required under FCRA 611 ( a ) ( 2 ). 
XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$55.00} Issue : Reported as Charged Off. I do not recognize or recall opening any account with this creditor. This account appears to be a case of mixed file or mistaken identity and must be removed immediately if the furnisher can not validate ownership through signed agreements and verified records. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Issue : Reported as Late Payment. This is false and misleading. I have never missed or delayed a payment on this account. The late payment notation is inaccurate and constitutes negligent reporting under FCRA 607 ( b ). I request correction to reflect a perfect payment history or deletion if unverifiable. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$630.00} Issue : Reported as Collection. I have no knowledge or record of any account with XXXX XXXX XXXX. No original creditor details or contract have ever been provided. I dispute this entirely and demand removal under FCRA 611 ( a ) ( 5 ) due to lack of verifiable evidence. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$340.00} Issue : Reported as Collection. This appears to be a duplicate or fraudulent entry by the same collector. I have never had any account with this entity. I demand immediate deletion if no original signed documentation or payment record can be produced. 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$820.00} Issue : Reported as Collection. I have never opened or authorized any account with this company. This entry is completely foreign to me. Unless the furnisher can produce valid documentation, including a signed agreement and billing history, it must be deleted immediately as per FCRA 611 ( a ) ( 1 ). 
XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$460.00} Issue : Reported as Collection. This account is unverified and suspiciously similar to multiple other XXXX entries, suggesting duplicate or erroneous reporting. XXXX has failed in the past to validate debts, and I therefore demand deletion for failure to verify. 
XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Balance : {$300.00} Issue : Reported as Collection. I have no record or recollection of any business or account with XXXX XXXX. This entry is unverified and inaccurate, and no documentation proving its legitimacy has ever been provided to me. If the furnisher can not provide a signed original agreement and complete validation, this item must be deleted immediately per FCRA 611 ( a ) ( 5 ) ( A ). 
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Each of the inquiries listed above was made without my explicit authorization or any verifiable business relationship. Therefore, these inquiries are in violation of FCRA 604 ( a ) ( 2 ) & 604 ( f ).

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute and request investigation of inaccurate information on my credit report. Reporting false information, failing to investigate, or leaving unverifiable items uncorrected constitutes a violation of federal law. 
I request that CFPB investigate all disputed items, ensure their correction or deletion, and provide written confirmation of the resolution.

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