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 regarding inaccurate and unverified information currently being reported on my consumer credit report. I have disputed these accounts directly with the credit reporting agencies ; however, the inaccurate information remains. This complaint is filed under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires furnishers and consumer reporting agencies to report information with maximum possible accuracy and to conduct reasonable reinvestigations when disputes are submitted. 
XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$6.00} Issue : Late Payment This account is inaccurately reporting late payments. I did not make any late payments as reported. The payment history being furnished is incorrect and does not reflect my actual account activity. Under FCRA 1681s-2 ( a ) ( 2 ) and 1681i, inaccurate payment history must be corrected. I am requesting correction of the late payment history only. Deletion is not requested. 
XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$41.00} Issue : Late Payment This account is reporting late payments that are inaccurate. The reported payment history is not correct. You are required to verify and correct any inaccurate information. I am requesting correction of the late payment history only in compliance with FCRA accuracy standards. 
XXXX XXXX XXXX XXXX  Account XXXX Date Opened : XX/XX/XXXX Balance : {$6.00} Issue : Late Payment The late payment history on this account is inaccurate and does not reflect my true payment behavior. This is a factual reporting error. I am requesting correction of the inaccurate late payment reporting only pursuant to 15 U.S.C. 1681e ( b ). 
XXXX  Account XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late Payment Late payments are being reported inaccurately on this account. The information being furnished is not complete or accurate. Please conduct a reasonable reinvestigation and correct the payment history to reflect accurate reporting only. Deletion is not requested. 
XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment This account is reporting late payments in error. The payment history does not match my records. Under the FCRA, inaccurate or unverifiable late payment data must be corrected. I am requesting correction of the late payment history only. 
XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off I have no knowledge of this charge-off as reported. I do not recognize this account being charged off as stated. Please provide verification that this account belongs to me and was accurately reported. If you are unable to verify ownership, balance, and charge-off status, this account must be deleted or corrected in accordance with FCRA 1681i. 
XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Issue : Charge Off I have no knowledge of this charge-off being valid as reported. The information lacks proper verification and accuracy. You are required to investigate and confirm the legitimacy of this account. If verification can not be provided, this account must be removed or corrected. 
XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment This account is reporting inaccurate late payments. The payment history is incorrect and misleading. I am requesting correction of the late payment history only to reflect accurate reporting under the FCRA. 
XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Late payment reporting on this account is inaccurate. The information furnished does not reflect correct payment behavior. Please correct the inaccurate late payment history in compliance with federal law. 
XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off I have no knowledge of this account being charged off as reported. I do not recognize the charge-off status being furnished. Please provide verification that this account, balance, and charge-off are accurate and belong to me. If proper verification can not be provided, this account must be deleted or corrected in accordance with FCRA 1681i. 
XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Issue : Collection I have no knowledge of this collection account. I do not recognize this debt and have no records supporting the validity of this account. Please conduct a reasonable reinvestigation and provide verification of ownership, balance, and authority to collect. If unverifiable, this account must be removed or corrected. 
XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Issue : Collection I have no knowledge of this collection account as reported. The information lacks proper verification and accuracy. Under the FCRA, unverified or inaccurate collection reporting must be deleted or corrected. Please complete a full reinvestigation and provide the results in writing. 
XXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Issue : Collection I do not have knowledge of this collection account. I am disputing the validity, ownership, and balance of this debt. Please verify this account through a lawful reinvestigation. If verification can not be obtained, this account must be removed from my credit file. 
These reporting errors continue to appear despite prior disputes and are affecting the accuracy of my credit file. I am requesting that the CFPB review this matter and require the credit reporting agencies and furnishers to comply with their obligations under federal law. Any information that can not be verified with competent evidence should be corrected or removed. 
I respectfully request CFPB assistance to ensure a lawful reinvestigation is conducted and that my credit report reflects accurate and verified information only.

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