Consumer complaint received 2025-12-18 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 formal complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite reviewing my credit report carefully, I continue to find inaccurate, duplicate, unverified collection accounts and unauthorized credit inquiries. These items are being reported without proper investigation, validation, or permissible purpose and are causing serious and ongoing harm to my credit profile. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is reporting as a charge-off despite a XXXX balance. A charge-off with no outstanding balance is misleading and creates a false impression of current delinquency. The furnisher has failed to provide documentation proving the accuracy, balance history, and lawful reporting of this account. Reporting a charge-off without proper verification violates FCRA 1681e ( b ) and 1681s-2. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account continues to appear as charged off even though no balance is owed. The reporting is incomplete and inaccurate, as it does not reflect the true status of the account. No contract, payment history, or charge-off justification has been provided. This constitutes inaccurate reporting under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : The reporting of this account is misleading and unverified. A zero-balance charge-off without supporting documentation is inaccurate. I dispute the accuracy, completeness, and legality of this reporting and request proof of ownership, charge-off validation, and full account history as required by law. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is inaccurately reporting a charge-off while showing a XXXX balance. The continued reporting damages my credit and lacks proper verification. The furnisher has failed to meet the burden of proof required under FCRA 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Status : Charge Off Issue : I dispute the accuracy of this charge-off. The reported balance, payment history, and charge-off status have not been validated. No documentation has been provided to prove the debt amount, charge-off date, or compliance with reporting requirements. This account must be fully investigated and corrected or removed if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is incorrectly reporting late payments. I dispute the late payment history as inaccurate. There is no evidence provided showing that any payment was made late. Under FCRA 1681e ( b ), inaccurate payment history must be corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : Late payment reporting on an account with a XXXX balance is inaccurate and misleading. I dispute the payment history and demand correction of any falsely reported late payments. If the information can not be verified, it must be deleted. 
SXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Status : Charge Off Issue : This charge-off is being reported without proper validation. I dispute the accuracy of the balance, payment history, and charge-off status. Failure to provide proof of accuracy violates the Fair Credit Reporting Act. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : I dispute the late payment history reported on this account. The reporting is inaccurate and not supported by any verified documentation. Inaccurate payment history must be corrected or removed. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Status : Late Payment Issue : The late payment reporting on this account is disputed as inaccurate. The furnisher has failed to provide proof validating the late payment claims. This reporting does not meet FCRA accuracy standards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Status : Charge Off Issue : This charge-off is reporting without proper validation. I dispute the accuracy of the balance, charge-off status, and payment history. No documentation has been provided to verify that this information is complete and accurate as required under FCRA 1681e ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is incorrectly reporting late payments despite showing a XXXX balance. I dispute the late payment history as inaccurate. Late payments that can not be fully verified must be corrected or removed under the Fair Credit Reporting Act. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : A charge-off reporting with a XXXX balance is misleading and inaccurate. I dispute the validity of this reporting and request full documentation proving the accuracy and compliance of this account with federal reporting standards. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Status : Charge Off Issue : I dispute the charge-off status, balance, and payment history of this account. The information reported has not been properly verified and fails to meet FCRA accuracy requirements. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is inaccurately reporting a charge-off with no balance owed. The continued reporting is misleading and lacks proper verification. This information must be corrected or deleted if unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : Duplicate and inaccurate reporting of a charge-off with a XXXX balance. I dispute the accuracy and legality of this entry and request proof of proper reporting or deletion. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Status : Late Payment Issue : The late payment reporting on this account is disputed as inaccurate. The furnisher has not provided verified documentation supporting the late payment history. Inaccurate reporting violates FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is reporting late payments despite showing a XXXX balance. I dispute the late payment history as inaccurate. No verified documentation has been provided to prove that any payment was late. Inaccurate payment history must be corrected under FCRA 1681e ( b ). 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : A charge-off reported with a XXXX balance is misleading and inaccurate. I dispute the charge-off status and request documentation proving the validity, accuracy, and lawful reporting of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Status : Collection Issue : This collection account is reporting without sufficient validation. I dispute ownership, balance accuracy, and collection authority. No documentation has been provided to verify this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Status : Collection Issue : Duplicate and inconsistent reporting of the same account with different balances. This is inaccurate and misleading. One account can not lawfully report multiple balances. This violates FCRA accuracy standards. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Status : Charge Off Issue : This charge-off is reporting without proper validation. I dispute the accuracy of the balance and charge-off status. The reporting does not meet FCRA verification requirements. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Status : Charge Off Issue : I dispute the charge-off status and reported balance. No verified documentation has been provided to prove the accuracy and completeness of this reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Status : Collection Issue : This collection account is disputed due to lack of validation. I have not been provided proof of ownership, account agreement, or accurate balance calculation. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : Collection Issue : Duplicate collection reporting of the same alleged debt. Multiple entries for the same balance violate accuracy and completeness requirements under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Status : Collection Issue : This collection account is reporting without proper validation. I dispute ownership, balance accuracy, and collection authority. Failure to verify requires deletion under federal law. 
These items have been reported inaccurately, duplicated improperly, and accessed without permissible purpose. I have the right under federal law to have only accurate, complete, and verifiable information reported on my credit file. I am requesting that CFPB require the involved credit reporting agencies and furnishers to conduct a proper investigation and immediately delete any information that can not be fully verified or legally justified. 
Failure to correct these violations continues to cause financial and reputational harm and undermines the integrity of my consumer credit file.

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