Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
To Whom It May Concern I am submitting this complaint regarding multiple inaccuracies and unfair reporting on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that consumer reporting agencies maintain accurate information and promptly investigate disputed accounts. I dispute the accuracy and reporting of the following accounts and inquiries and request immediate correction or deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Charge Off This account has been reported as a charge-off incorrectly. I have never received any proper notice, billing statement, or validation of this debt. I have attempted to resolve this directly with the creditor and never acknowledged or agreed to the reported balance. Reporting this as a charge-off without verification is misleading, harms my creditworthiness, and constitutes a willful violation of FCRA 15 U.S.C. 1681i ( a ). I request a full investigation and deletion of this account if verification can not be provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is falsely reporting a late payment. I have records of all payments made on time and have never missed any due dates. The reporting is inaccurate, negatively impacts my credit score, and misrepresents my payment history. Such false reporting violates FCRA requirements for accuracy. I request verification of the reported late payment and immediate correction or removal. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Late Payment This account is incorrectly reported as late. I dispute the reported late payment. All payments have been made timely, and the reported history does not match my actual payment records. Including inaccurate information of this nature is damaging to my financial reputation and credit opportunities. I demand that this account be investigated, verified, and corrected or deleted if unverifiable. 
Unauthorized Credit Inquiries Dispute Format XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Inquiry XXXX  XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry I dispute all of the above inquiries as they were made without my authorization and lack permissible purpose under FCRA 15 U.S.C. 1681b. Reporting unauthorized inquiries harms my credit profile and is a violation of federal law. I demand immediate removal of all unauthorized inquiries and correction of my credit report. 
I demand that all credit reporting agencies promptly investigate these accounts and inquiries, verify the accuracy of all reported information, and delete or correct any information found to be false or unverifiable. Continued reporting of these inaccurate accounts and unauthorized inquiries constitutes willful violation of federal law, and I reserve all rights to pursue legal remedies if these inaccuracies are not corrected immediately.

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