Consumer complaint received 2025-12-29 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. ) by credit reporting agencies and data furnishers. I previously disputed the accounts listed below directly with the bureaus. Despite my dispute, the inaccurate information remains reporting. This complaint is submitted while my prior dispute efforts have failed. I have not submitted an FTC report at this time.

The continued reporting of duplicate charge-offs, conflicting open dates, and unverified balances demonstrates a failure to conduct a reasonable investigation and a failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). 
DISPUTED ACCOUNTS AND DETAILED ISSUES XXXX XXXX  XXXX High Balance : {$5100.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is reporting as a charge-off without proper verification. No documentation has been provided showing how the balance was calculated or how the charge-off determination was made. Continued reporting without lawful verification is inaccurate, incomplete, and misleading under the FCRA. 
XXXX XXXX XXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account lacks complete and verifiable reporting. No evidence has been provided confirming the accuracy of the charge-off status, balance history, or account timeline. Reporting unverifiable information after a prior dispute violates reinvestigation duties. 
XXXX XXXX High Balance : {$16000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : The charge-off status has not been properly substantiated. No lawful verification has been provided showing ownership, balance accuracy, or compliance with reporting requirements. Continued reporting fails the standard of maximum possible accuracy. 
XXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account remains reported without adequate verification. The information appears incomplete and unsupported, and continued reporting without correction constitutes noncompliance with the FCRA. 
XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX Status : Charge Off Issue : The charge-off reporting is inaccurate and unsupported. No documentation has been produced demonstrating how the balance, delinquency, or charge-off status was determined. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was made without my authorization and does not meet the legal standard for permissible purpose.

REQUESTED CFPB RESOLUTION I respectfully request that the CFPB require the credit reporting agencies and furnishers to : Provide documented proof of a lawful investigation for each disputed item Delete all duplicate, unverifiable, and inaccurate charge-off accounts Remove unauthorized inquiries lacking permissible purpose Correct my credit report to reflect only accurate, verified information The continued reporting of these items after dispute demonstrates noncompliance with federal law. I submit this complaint in good faith and request CFPB assistance to ensure compliance.

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