Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding multiple inaccurate and unverifiable items being reported on my credit report, which have caused significant damage to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to dispute incomplete, inaccurate, or fraudulent information. I request immediate intervention to correct or delete these inaccurate entries. 
The following items are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$4300.00} This account is inaccurately reporting a Late Payment. I have never made late payments on this account. Reporting it as late is false and misleading. I demand correction to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$17000.00} This account is also incorrectly marked as Late Payment. I have always paid on time. The current reporting is inaccurate and violates my rights under the FCRA. XXXX correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, High Credit : {$29000.00} Reporting of Late Payment on this account is incorrect. I never made any late payment. Such false reporting negatively impacts my creditworthiness. I request immediate correction to reflect accurate history. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, XXXX : {$17000.00} This account is inaccurately listed as Charge Off. I have no knowledge of this account, never opened it, and never received any notice. It is fraudulent, and I demand deletion from my credit report immediately. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$3500.00} This account is reporting a Collection that is inaccurate. I have no knowledge of this account, never authorized it, and never received any valid billing or verification. I request full deletion under FCRA 1681i. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, XXXX : {$1600.00} This account is reporting as Collection incorrectly. I have never defaulted or missed payments on this account. The reporting is false and must be corrected or deleted immediately. 
These inaccurate reports have caused financial harm and violate my rights under FCRA. I request CFPB to : 1. Investigate each inaccurate account and ensure verification with the original creditors.

2. Ensure the credit reporting agencies correct or delete unverifiable or inaccurate accounts.

3. Notify me in writing of the outcome and actions taken. 
Failure to correct these inaccuracies promptly will leave me with no option but to pursue legal remedies for violations of federal credit reporting laws. 
Thank you for your immediate attention to this urgent 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