Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Credit Reporting Complaint Failure by All Credit Bureaus to Properly Investigate & Remove Inaccurate Negative Items I am filing this complaint because Experian, Equifax, and TransUnion are reporting negative accounts and hard inquiries that are inaccurate, not mine, or unverifiable. 
I disputed these items with each bureau, but they have failed to conduct proper investigations as required under the Fair Credit Reporting Act ( FCRA ). 


XXXX XXXX XXXX Negative Accounts That Are Not Mine / Unverifiable All three credit bureaus continue to report several collection accounts that do not belong to me and have not been verified. These accounts were disputed as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of the bureaus provided documentation proving that these accounts are mine. 
Under FCRA 602, 607 ( b ), and 611, any item that can not be fully verified must be deleted. 


XXXX XXXX XXXX. Unauthorized Hard Inquiries Reported By the Bureaus Each of the credit bureaus is reporting multiple hard inquiries I did not authorize. I did not apply for credit with these companies, and no permissible purpose has been shown. 

Unauthorized inquiries include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ( multiple ) These inquiries are inaccurate and may indicate identity misuse.

Under FCRA 604 and 611, any inquiry not initiated by the consumer must be removed. 


XXXX XXXX XXXX Failure of All Bureaus to Conduct a Reasonable Reinvestigation Despite submitting disputes and providing identification and documentation : The bureaus did not verify the negative accounts The bureaus did not provide proof of authorized inquiries The bureaus continued reporting items without validation The bureaus failed to perform a reasonable reinvestigation as required No supporting documentation or verification was provided This is a direct violation of FCRA 611. 


XXXX XXXX  Requested Resolution I am requesting that the CFPB require Experian, Equifax, and TransUnion to : XXXX. Conduct a full reinvestigation of all disputed negative items. 


XXXX. Delete any negative account that can not be 100 % verified with documentation. 


XXXX. Remove all unauthorized hard inquiries across all bureaus. 


XXXX. Provide me with updated corrected credit reports from each bureau. 


XXXX. Ensure all bureaus comply with the FCRA moving forward. 



These negative items and inquiries are inaccurate and remain unresolved despite proper disputes. I need the assistance of the CFPB to enforce the bureaus legal obligations.

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