Consumer complaint received 2025-12-15 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 inaccurate, incomplete, and unverifiable information appearing on my credit report that has not been properly resolved despite prior disputes. These reporting issues remain active and continue to impact my credit file. Under the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), furnishers and consumer reporting agencies are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. The accounts listed below remain inaccurate and have not been corrected as required by law. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$7.00} Late Payment. This account is reporting late payments that are inaccurate and do not reflect my actual payment history. I have reviewed my records and I did not make late payments as reported. Reporting incorrect delinquency information violates FCRA accuracy requirements. I am not requesting deletion of this account. I am requesting correction of the payment history to accurately reflect on-time payments only and removal of any incorrect late payment notations following a full reinvestigation. 
XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is showing late payments despite the account having a zero balance. The late payment history being reported is inaccurate and misleading. I did not miss payments as reported. Please conduct a reasonable reinvestigation and correct the payment history to reflect accurate and timely payments only. No deletion is requested, only correction of inaccurate information. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account continues to reflect late payments that are not accurate. I did not make late payments as reported, and the current reporting does not match my actual account history. Please reinvestigate and correct the payment history to reflect accurate information only. I am not requesting deletion of the account. 
XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is reporting late payments that are not accurate. I maintained this account in good standing and did not miss payments as reported. Please conduct a reasonable reinvestigation and correct the inaccurate payment history in compliance with FCRA requirements. 
XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. The reported late payments on this account are incorrect. The payment history does not reflect my actual account activity. I am requesting correction of the inaccurate late payment reporting after proper verification. No deletion is requested. 
XXXX  XXXX Date Opened XX/XX/XXXX Balance Owed {$420.00} Collection. I have no knowledge of this account and do not recognize it as mine. I did not enter into any agreement with this company. This collection account is disputed as not belonging to me. Please conduct a full investigation and provide proper verification. If this account can not be verified as mine, it must be deleted or corrected accordingly under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. This account is reporting late payments that are inaccurate. My payment history was maintained properly and the reported delinquency does not reflect my actual account performance. I am not requesting deletion of this account. I am requesting correction of the inaccurate late payment history following a reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Late Payment. The late payment status being reported is incorrect and misleading. I did not make late payments as reported. Continued reporting of inaccurate payment history violates FCRA accuracy standards. Please reinvestigate and correct the payment history to reflect accurate information only. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$16000.00} Charge Off. I have no knowledge of this account and do not recognize it as belonging to me. I did not authorize or agree to this account. This charge off is disputed in its entirety. Please conduct a full investigation and verify the accuracy and ownership of this account. If it can not be verified, it must be deleted or corrected as required by law. 
I am requesting that the CFPB review this matter and require the involved furnishers and consumer reporting agencies to comply with the Fair Credit Reporting Act by conducting proper investigations and correcting or removing all inaccurate and unverifiable information listed above. I am requesting written confirmation of the actions taken to resolve these reporting errors.

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