Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
I am submitting a formal dispute regarding multiple inaccurate, unverifiable, and potentially fraudulent entries on my credit report. These entries are harming my financial and personal life and violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq, which requires that all information reported be accurate, verifiable, and fully investigated upon dispute. I demand that each disputed item be immediately investigated and either corrected or deleted. 
XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$690.00} Chargeoff I have no knowledge of this account. I never opened, authorized, or used this account. The reporting of a charge-off without my authorization directly violates FCRA 1681i ( a ), which mandates that disputed information be fully investigated and verified before reporting. This inaccurate entry has caused a substantial decrease in my credit score, leading to loan denials and increased financial stress. The presence of this account is a burden on my financial life, affecting my ability to rent apartments, apply for loans, and maintain normal financial stability. Immediate deletion is required. 
XXXX  XXXX Opened : XX/XX/XXXX, High Balance : {$22000.00} Late Payment I dispute the late payment status of this account. I have never missed a payment and have documentation supporting on-time payments. Reporting false late payments violates FCRA 1681s-2 ( b ) and has resulted in higher interest rates, loan denials, and reputational harm. This inaccurate reporting is a serious detriment to my financial stability and personal wellbeing. The accounts incorrect status suggests negligence on the part of the creditor and credit reporting agency. I demand immediate correction to accurately reflect my payment history. 
XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$7500.00} XXXX I do not recognize this account and never authorized it. Reporting a charge-off without my consent is a violation of FCRA 1681i ( a ) and 1681s-2 ( b ). This false reporting has caused irreparable harm to my creditworthiness, preventing me from obtaining necessary loans and financial services. The account represents a fraudulent burden on my credit profile. I demand that this item be deleted immediately. 
XXXX  XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$890.00} Late Payment The late payment reported on this account is inaccurate. I have always paid on time, and this reporting constitutes a violation of FCRA 1681s-2 ( b ). The incorrect information has caused denial of credit, financial strain, and emotional stress. This misreporting undermines the integrity of my credit profile and is a breach of my rights under federal law. I demand correction of this account to reflect accurate payment history. 
XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$410.00} XXXX I have no knowledge or record of this account. The reporting of a charge-off without verification is a direct violation of FCRA 1681i ( a ). Its inclusion has negatively impacted my credit score, affecting my ability to secure housing, loans, and financial security. This inaccurate reporting constitutes harassment and financial injury. I demand immediate deletion. 
XXXX XXXX XXXX XXXXXXXX Bankruptcy This bankruptcy is reported with inaccurate or incomplete information. I request full verification and correction as required under FCRA 1681i ( a ) to ensure my credit report accurately reflects my financial history. Misreporting of bankruptcy information can have devastating effects on credit applications and financial stability. I demand timely correction of this entry.

I request that all disputed items be fully investigated and either corrected or deleted to ensure my credit report is accurate and compliant with federal law. Failure to comply will result in further legal action under FCRA and applicable state laws protecting consumers from inaccurate reporting. Please provide written confirmation of actions taken within 30 days, as required by law.

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