Consumer complaint received 2025-12-23 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 to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) involving inaccurate, unverifiable, and unauthorized information being reported on my consumer credit file. I have already disputed these items directly with the credit reporting agencies, yet the inaccurate reporting continues. This demonstrates a failure to conduct a reasonable reinvestigation and to maintain maximum possible accuracy as required by federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$250.00} Late Payment This account is inaccurately reporting late payments. I did not make any late payments on this account. Reporting late payment history that did not occur violates FCRA 1681e ( b ) and 1681i. I am requesting correction of the payment history to reflect accurate, on-time status only. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$530.00} Charge Off I have no knowledge of this account as reported. The charge-off status is not supported by verified documentation. Reporting an unverified charge-off violates FCRA accuracy and verification requirements. This account must be fully investigated and deleted or corrected accordingly. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$430.00} Charge Off This account is reporting a charge-off without proper verification. I do not recognize this obligation as reported. Continued reporting without validation violates FCRA 1681i. Immediate investigation and removal or correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$360.00} Charge Off The charge-off status being reported is inaccurate and unsupported. This information can not be verified as required by law and must be corrected or deleted following reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$540.00} Charge Off I dispute the accuracy of this charge-off. The reporting does not reflect verified or complete information. Under FCRA, unverifiable charge-offs can not remain on my credit report. 
US DEPT ED XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2900.00} Charge Off This student loan is reporting adverse information that is inaccurate and incomplete. Any negative reporting must be fully verified. If verification can not be produced, this item must be corrected or removed in compliance with FCRA. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$520.00} Late Payment This account is inaccurately reporting late payments that did not occur. I am requesting correction of payment history under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$720.00} Late Payment The late payment status is incorrect. Reporting inaccurate payment history is a violation of federal law. Please correct the account to reflect accurate payment behavior only. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$500.00} Charge Off I have no knowledge of this account as reported. The charge-off status is not supported by verified documentation. Reporting an unverified charge-off violates FCRA investigation and accuracy standards. This account must be fully investigated and deleted or corrected accordingly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$18000.00} Charge Off I dispute the accuracy of this charge-off. I do not recognize this obligation as reported and no proper verification has been provided. Continued reporting without validation violates FCRA 1681i and applicable provisions of the FDCPA. Immediate investigation and removal or correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$550.00} Collection I have no knowledge of this collection account. This debt has not been properly validated. Reporting an unverified collection account violates FCRA and FDCPA requirements. If verification can not be produced, this account must be deleted. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Charge Off I dispute the accuracy of this charge-off. The information reported does not reflect verified or complete records. Continued reporting without proper verification violates FCRA requirements and must be corrected or deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$460.00} Collection This appears to be duplicate or continued reporting of the same alleged collection account. Duplicate reporting of unverified information violates FCRA accuracy standards. This item must be fully investigated and removed if it can not be verified as accurate. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$450.00} Collection I have no knowledge of this collection account as reported. The debt has not been properly validated. Reporting an unverified collection violates FCRA 1681e ( b ) and 1681i and applicable FDCPA provisions. This account must be fully investigated and deleted or corrected accordingly. 
XXXX/DOFED XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$84000.00} Late Payment Late payment history reported on this student loan is inaccurate. I did not make late payments as reported. This dispute concerns payment history accuracy only. Reporting incorrect late payments violates FCRA accuracy requirements. I am requesting correction of the payment history to reflect accurate information. 
XXXX  Date : XX/XX/XXXX Inquiry I did not authorize this inquiry and no permissible purpose has been established. Reporting unauthorized inquiries violates FCRA 1681b. This inquiry must be removed. 
XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX Inquiry This inquiry was not authorized. Under FCRA 1681b, it must be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry I did not authorize this inquiry. Please remove for lack of permissible purpose. 
XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Unauthorized inquiry. No permissible purpose. Deletion is required under FCRA. 
XXXX XXXX Date : XX/XX/XXXX Inquiry This inquiry was not authorized by me. It must be removed immediately. 
XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Unauthorized inquiry reporting without permissible purpose. Removal is required. 
XXXX XXXX Date : XX/XX/XXXX Inquiry I did not authorize this inquiry. Continued reporting violates FCRA 1681b and requires deletion.

Despite prior disputes, these items continue to be reported inaccurately. This demonstrates a failure by the credit reporting agencies and data furnishers to conduct reasonable investigations and to ensure accuracy as required by the Fair Credit Reporting Act. I am requesting CFPB assistance to require full compliance with federal law, including correction or deletion of all inaccurate, unverifiable, and unauthorized information listed above and written confirmation of the actions taken.

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