Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint to request assistance with inaccurate and unverified information that continues to be reported on my consumer credit file. I have previously disputed these items directly with the credit reporting agencies on more than XXXX occasion. Despite those disputes, the accounts remain on my report without proper verification or correction. 

As of the date of this complaint, I have not filed an FTC Identity Theft Report. This complaint is being submitted while my disputes are still unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. 

XXXX  XXXX account ending XXXX, opened XX/XX/XXXX, high balance {$4400.00}, currently reported as a charge-off. I do not have knowledge of this account as it is being reported. The information does not reflect my records and has not been properly verified. A full reinvestigation is required, and this account should be deleted if it can not be fully verified in compliance with 15 U.S.C. 1681e ( b ) and 1681i. 

XXXX XXXX account ending XXXX, opened XX/XX/XXXX, high balance {$6200.00}, currently reported as a charge-off. I do not recognize this account or the charge-off status being attributed to me. This reporting is inaccurate and lacks proper verification. Please investigate and delete or correct this account as required by law. 

XXXX XXXX account ending XXXX, opened XX/XX/XXXX, high balance {$6100.00}, currently reported as a charge-off. I have no knowledge of this account being charged off as reported. The information is inaccurate and has not been properly validated. If verification can not be produced, this account must be removed. 

XXXX XXXX account ending XXXX, opened XX/XX/XXXX, high balance {$5300.00}, currently reported as a charge-off. This account does not match my records, and I have no knowledge of the charge-off being reported. This is inaccurate reporting and requires deletion or correction following a lawful reinvestigation. 

XXXX XXXX  account ending XXXX, opened XX/XX/XXXX, high balance {$20000.00}, currently reported as a charge-off. I do not have knowledge of this account as reported. The information is inaccurate, unverified, and does not meet the accuracy standards required under the FCRA. Please investigate and delete this account if it can not be fully verified. 

I am requesting that this matter be reviewed and that the credit reporting agencies and data furnishers be required to conduct a lawful and reasonable reinvestigation. Any account that can not be fully verified as accurate must be deleted or corrected without delay. I request written confirmation of the investigation results and the actions taken to correct my credit file.

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