Consumer complaint received 2025-12-27 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:
I am submitting this complaint regarding the continued reporting of inaccurate, unverified, duplicated, and misleading credit information by multiple furnishers and collection agencies in violation of the Fair Credit Reporting Act 15 USC 1681 and 15 USC 1681s-2 Despite submitting multiple disputes directly with the credit reporting agencies these items remain on my consumer credit reports without proper investigation or correction XXXX XXXX XXXX XXXX XXXX XXXX reported as Charge Off high balance {$630.00} date opened XX/XX/XXXX this account is not recognized by me I have no knowledge of this account and no contract or obligation has been established linking this account to me you have failed to provide competent evidence of ownership accuracy or consumer authorization continued reporting without proper verification violates FCRA 15 USC 1681e ( b ) and 1681i this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with Late Payment history high balance {$1100.00} date opened XX/XX/XXXX the late payment reporting is inaccurate I have never made late payments as reported this is not a request for deletion of the account but a demand that the payment history be corrected to accurately reflect on time payments as required under FCRA 15 USC 1681a and 1681s-2 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported as Collection high balance {$650.00} date opened XX/XX/XXXX I dispute this account in its entirety I have no knowledge of this alleged debt LVNV has not provided validation nor evidence of a lawful assignment or my responsibility reporting an unverified collection violates FCRA 15 USC 1681e ( b ) and FDCPA 15 USC 1692g this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX reported as Collection high balance {$620.00} date opened XX/XX/XXXX I do not recognize this account no contract no billing statements and no validation have been produced reporting the same alleged debt across multiple tradelines constitutes inaccurate and misleading reporting under FCRA 15 USC 1681e ( b ) this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX  reported as Collection high balance {$1200.00} date opened XX/XX/XXXX this is a duplicate of the XXXX XXXX listed above XXXX collection reporting inflates my credit file and is expressly inaccurate under the FCRA this tradeline must be deleted XXXX XXXX XXXX inquiry dated XX/XX/XXXX this inquiry was made without my authorization and lacks permissible purpose under the FCRA it must be deleted XXXX XXXXXXXX NA inquiry dated XX/XX/XXXX this is a duplicate unauthorized inquiry and must be removed immediately XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX this inquiry was not authorized and violates FCRA permissible purpose requirements XXXX must be deleted These issues demonstrate a systemic failure by furnishers and credit reporting agencies to conduct reasonable investigations and to ensure maximum possible accuracy as required by federal law I am requesting CFPB assistance to require immediate correction or deletion of the disputed items and to ensure compliance with the Fair Credit Reporting Act

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