Consumer complaint received 2025-12-02 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: MN

Complaint narrative:
I am submitting this complaint because several accounts are being reported inaccurately on my credit report. These items are causing severe harm to my credit profile, and I am requesting immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). The following accounts are reporting information that is false, unverifiable, or completely unknown to me, and I am requesting deletion of any account I do not recognize and correction of any inaccurate late payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX This account is reporting as a charge-off. I have no knowledge of this debt, never authorized it, and I request full investigation and deletion if it can not be verified with complete documentation. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Reporting as a charge-off. I do not recognize this account and request deletion because no proof of ownership or original signed agreement exists. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$49000.00} Date Opened : XX/XX/XXXX This charge-off is inaccurate because I never opened this account, never authorized any contract with this company, and I demand deletion for failure to provide original application, contract, and valid documentation. 
XXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Reporting late payments that are completely incorrect. I never made late payments, and the history reported is inaccurate. I request correction of all late payment reporting immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX This account is showing as a charge-off, but I have no knowledge of it. I request deletion due to lack of proper verification and inaccurate reporting. 
AFFIRM XXXX XXXX * * High Balance : {$130.00} Date Opened : XX/XX/XXXX Charge-off reporting is inaccurate because I do not recognize this account. Please delete after verification failure. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$52.00} Date Opened : XX/XX/XXXX I have no knowledge of this debt, and I request deletion due to inability to validate. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX This charge-off is fraudulent. I never opened this account or authorized any purchase. Delete immediately for failure to validate. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Reporting a charge-off on an account I do not recognize. Please investigate and delete if unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX This collection account is unknown to me. No notice was provided to me as required by law. I request deletion due to lack of documentation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX I do not recognize this collection account and request deletion for failure to prove ownership and validity of the debt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX This collection account is inaccurate and unknown to me. Please delete after investigation. 
XXXX XXXX XXXX XXXX * * High Balance : {$2500.00} Date Opened : XX/XX/XXXX Another duplicate collection account from the same company. I do not owe this debt. Request immediate deletion. 
XXXX XXXX XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX I have no knowledge of this collection account. No validation has been provided. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX XXXX a collection that does not belong to me. Please perform full investigation and delete if unverifiable. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX This collection account is completely unknown to me. No original creditor information has been provided. I request deletion. 
All these items are harming my financial stability and violating my rights under the FCRA. I request a full investigation, removal of unverifiable accounts, and correction of all inaccurate information. 
Thank you for your immediate attention to this matter.

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