Consumer complaint received 2025-12-16 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 involving inaccurate, unverified, and unauthorized items appearing on my consumer credit report. I have disputed these items directly with the credit reporting agencies multiple times, including a third written dispute, yet the errors remain unresolved. Despite my efforts, the furnishers and credit bureaus have failed to conduct reasonable reinvestigations as required by law. At this time, this complaint is submitted to the CFPB, and no FTC complaint has yet been filed. 
XXXX XXXX Account XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off This account is not known to me and I do not recognize or recall opening or authorizing it. No contract, application, billing statements, or account-level documentation has been provided to substantiate ownership or accuracy. Because this account has not been properly verified, the charge-off status is inaccurate and must be deleted or corrected following a lawful reinvestigation. 
XXXX XXXX Account XXXX High Balance {$800.00} Date Opened XX/XX/XXXX Charge Off This appears to be a separate reporting of an account that I have no knowledge of. The reporting lacks validation and is inconsistent with my records. Reporting an unverified charge-off violates the accuracy and verification requirements of the FCRA. This account must be fully investigated and removed or corrected if it can not be verified with competent evidence. 
XXXX XXXX Account XXXX High Balance {$750.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and dispute its accuracy in full. There is no proof that I entered into any agreement or incurred this obligation. Continued reporting without verification is improper, and I am requesting deletion or correction based on the results of a lawful reinvestigation. 
XXXX Account XXXX High Balance {$200.00} Date Opened XX/XX/XXXX Charge Off I do not recognize this account and dispute any association with it. No documentation has been produced to establish liability or accuracy. If this account can not be verified as mine with complete and accurate records, it must be removed from my credit file. 
XXXX  Account XXXX High Balance {$0.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and dispute the charge-off status being reported. There is no evidence supporting the accuracy of this account or the charge-off designation. If verification can not be produced, this account must be deleted or corrected immediately. 
XXXX XXXX XXXX  Account XXXX High Balance {$29000.00} Date Opened XX/XX/XXXX Late Payment This account is reporting late payments that are not accurate. My payment history has been misreported, and the late payment status does not reflect true or verified activity. I am requesting correction of the inaccurate late payment history only and not deletion of the account. 
XXXX XXXX XXXX Account XXXX High Balance {$650.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this collection account and dispute that it belongs to me. No valid proof of assignment, ownership, or underlying agreement has been provided. Reporting this collection without proper validation violates federal law, and the account must be deleted or corrected following reinvestigation. 
XXXX Account XXXX High Balance {$2000.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this account and do not recognize it as mine. No documentation has been provided to establish my responsibility for this debt. Because this account has not been properly verified, the collection reporting is inaccurate and must be deleted or corrected following a lawful reinvestigation. 
XXXX XXXX XXXX  Account XXXX High Balance {$9400.00} Date Opened XX/XX/XXXX Collection I do not recognize this account and dispute any association with it. There is no proof of a valid agreement, assignment, or billing history linking this account to me. Continued reporting without verification violates the FCRA, and this item must be removed or corrected if it can not be fully verified. 
XXXX XXXX XXXX XXXX  Date XX/XX/XXXX Inquiry This inquiry was not authorized by me. No application or consent was provided for this access to my credit report. Unauthorized inquiries violate the FCRA and must be removed. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry I did not authorize this inquiry and dispute its presence on my credit report. If permissible purpose can not be verified, this inquiry must be deleted. 
XXXX XXXX Date XX/XX/XXXX Inquiry I have no knowledge of this inquiry and did not grant authorization for it. This item must be removed if valid consent can not be produced. 
Despite multiple disputes, these inaccurate collections and unauthorized inquiries remain on my credit file, demonstrating a failure by the credit bureaus and furnishers to conduct reasonable reinvestigations and maintain accurate reporting. I am requesting that the CFPB review this matter and require the credit reporting agencies and data furnishers to fully investigate each item, correct or delete any information that can not be verified, and ensure compliance with the Fair Credit Reporting Act. 
I am seeking resolution of this complaint through prompt correction or removal of the disputed items and confirmation that proper reinvestigation procedures have been followed.

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