Consumer complaint received 2025-12-03 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 May Concern, I am submitting this formal complaint against multiple furnishers and the credit reporting agencies for reporting inaccurate, unverified, and misleading information on my credit reports. These entries violate the Fair Credit Reporting Act ( FCRA ) because they are being reported without proper verification, contain factual errors, and do not belong to me or reflect my true payment history. 
Below are the disputed accounts : XXXX. XXXX XXXX Acct : XXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I have never made any late payments on this account. The late payment history is inaccurate and must be corrected immediately. This violates FCRA 602A & 607 ( B ). 
XXXX. XXXX  XXXX XXXX  Acct : XXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX Issue : Late Payment I did not make any late payments, and the reported delinquencies do not match my actual payment behavior. I request a full investigation and correction of the history, not deletion of the account. 
XXXX. XXXX Acct : XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Charge Off I have no knowledge of this account. This appears to be fraudulent or misreported. Under FCRA 609 & 611, the furnisher must provide complete verification or remove the account. 
XXXX. XXXX XXXX  Acct : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Issue : Late Payment The late payment information is false. I request correction of the payment history as required by FCRA 602 & 607 ( B ). 
XXXX. XXXX XXXX Acct : XXXX High Balance : {$36000.00} Date Opened : XX/XX/XXXX Issue : Late Payment These late payments are inaccurate. I have not paid this account late. Please investigate and correct. 
XXXX. XXXX XXXX XXXX Acct : XXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Issue : Collection I do not recognize this account. No details or original creditor information has been provided. This must be removed unless fully validated. 
XXXX. XXXX XXXX Acct : XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Collection I have no knowledge of this collection, and it appears to be inaccurate. Under FCRA, all unverifiable information must be deleted. 
REQUEST FOR ACTION ( FCRA Compliance ) I request that the CFPB require all furnishers and the credit bureaus to : 1. Conduct a full investigation under FCRA 611.

2. Provide complete validation/verification of each account.

3. Correct all inaccurate late payment histories.

4. Delete all unverifiable charge-off and collection accounts.

5. Ensure future reporting complies with all FCRA accuracy standards. 
These errors have severely impacted my credit profile and caused significant harm. I request swift action and written confirmation of the results of all investigations. 
Thank you for your assistance.

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