Consumer complaint received 2025-12-18 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:
b"I am submitting this complaint to report continued inaccurate and unverified credit reporting that remains on my consumer credit file despite prior disputes. The credit reporting agencies and furnishers have failed to correct or remove inaccurate information as required by the Fair Credit Reporting Act (15 U.S.C. 1681). I have not yet submitted an FTC report. These reporting errors are causing ongoing harm to my credit profile.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Reported Issue: Late Payment\nThis account is inaccurately reporting late payment history. I did not make any late payments as reported. The payment history being furnished is incorrect and does not reflect my actual account performance. Under FCRA 1681e(b), you must correct or remove inaccurate payment history.\nXXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX Reported Issue: Late Payment\nThis late payment notation is inaccurate. The reporting does not match my records. You are required to verify the accuracy of each payment entry or correct the history immediately.\nXXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Charge Off\nI have no knowledge of this charge-off being reported as stated. The balance and charge-off status are not properly verified. This account must be deleted or corrected after investigation.\nXXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment reporting is inaccurate and misleading. This information does not meet the accuracy standards required by federal law and must be corrected.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX Reported Issue: Charge Off\nThis charge-off is being reported without proper validation. I dispute the accuracy and request immediate investigation, correction, or deletion if unverifiable.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX Reported Issue: Charge Off\nThis account information is inaccurate and has not been properly verified. Continued reporting without validation is unlawful and must be resolved immediately.\nXXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Charge Off\nThe charge-off status and balance are disputed. If you cannot verify this account with competent evidence, it must be removed from my credit file.\nXXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment history being reported is inaccurate. I did not make late payments as stated. This payment history does not reflect my actual account performance and must be corrected or removed if unverifiable under FCRA 1681e(b).\nXXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX Reported Issue: Late Payment\nThis late payment reporting is incorrect and unsupported. You are required to verify each reported delinquency or correct the payment history immediately.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe reported late payments are inaccurate. This information has not been properly verified and is damaging my credit profile. Correction is required under federal law.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX Reported Issue: Charge Off\nI dispute this charge-off as reported. I have no confirmation that this account was accurately charged off in the manner stated. If this account cannot be properly validated, it must be deleted.\XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment status is inaccurate. This reporting does not reflect correct payment history and must be corrected or removed if unverifiable.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Reported Issue: Late Payment\nThis account is reporting inaccurate late payments. Continued reporting of unverified information violates FCRA accuracy standards.\nXXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThe late payment notation is incorrect and misleading. Proper investigation and correction are required.\nXXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis payment history is inaccurate. If you cannot verify this information with competent evidence, it must be removed from my credit file.\nXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX Reported Issue: Late Payment\nThis account is reporting inaccurate late payment information. The reported payment status does not reflect my actual payment history and must be corrected after investigation.\nXXXX XXXX  High Balance: XXXX Date Opened: XXXX Reported Issue: Collection\nI have no knowledge of this collection account. This account does not belong to me as reported. I request a full investigation and deletion if this account cannot be properly validated.\nXXXX XXXX XXXX XXXX Date: XXXX Reported Issue: Inquiry\nI do not recognize or authorize this credit inquiry. This inquiry was not initiated by me and must be removed unless you can provide permissible purpose under FCRA 1681b.\nThe continued reporting of inaccurate and unverified information demonstrates non-compliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to ensure a full investigation is conducted and that all inaccurate, unverifiable, or unauthorized information is corrected or removed."

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