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 by credit reporting agencies that continue to report inaccurate, unverifiable collection accounts and unauthorized inquiries on my consumer credit report. 
These items were previously disputed directly with the credit reporting agencies. Despite my disputes, the inaccurate information remains on my credit file, indicating that a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) was not conducted.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Under 15 U.S.C. 1681b, inquiries may only be reported when a permissible purpose exists. Continued reporting of unverifiable accounts and unauthorized inquiries constitutes noncompliance with federal law. 
The disputed items are listed below. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$580.00} | Issue : Late Payment This account is inaccurately reporting late payments. I never made late payments as reported. The payment history is incorrect and must be corrected under FCRA 1681e ( b ). I am requesting correction of the inaccurate late payment history only. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$580.00} | Issue : Charge Off I have no knowledge of this account being charged off. The charge-off status is inaccurate and unverifiable. Conduct a lawful reinvestigation and delete this account if it can not be verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1700.00} | Issue : Charge Off I do not recognize this charge-off status. Continued reporting without proper verification violates FCRA requirements. Delete or correct this account accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$430.00} | Issue : Charge Off I have no knowledge of this account being reported as a charge-off. If this information can not be verified through a reasonable reinvestigation, it must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$26000.00} | Issue : Late Payment This account is reporting late payments inaccurately. I did not make late payments as reported. The payment history must be corrected under FCRA 1681e ( b ). No deletion is requested. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$730.00} | Issue : Collection I do not recognize this collection account and have no knowledge of any obligation owed. Continued reporting without verification violates federal law. Delete if unverifiable. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$640.00} | Issue : Collection This collection account is not known to me. The reporting is inaccurate and unsupported. Immediate investigation is required and deletion must occur if verification can not be produced. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1000.00} | Issue : Collection I have no knowledge of this account. Continued reporting of unverified information is noncompliant with federal law. Delete if verification can not be completed. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$640.00} | Issue : Collection This account does not belong to me to my knowledge. The information is inaccurate and unverifiable. Delete this account if it can not be properly validated. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$430.00} | Issue : Collection I dispute this collection account due to lack of knowledge and lack of verification. Continued reporting violates FCRA investigation requirements. Delete if unverifiable. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$630.00} | Issue : Collection This collection account is not known to me. Immediate reinvestigation is required under FCRA 1681i ( a ). Delete if unverifiable. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Issue : Unauthorized Inquiry I did not authorize this inquiry and no permissible purpose exists under FCRA 1681b. This inquiry must be removed. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Issue : Unauthorized Inquiry This inquiry was not authorized by me. No permissible purpose has been established. Remove this inquiry immediately. 
XXXX Inquiry Date : XX/XX/XXXX | Issue : Unauthorized Inquiry This inquiry was not authorized by me. No permissible purpose exists. Delete this inquiry. 
I am requesting CFPB assistance to ensure that the credit reporting agencies comply with the Fair Credit Reporting Act by conducting lawful reinvestigations and deleting all inaccurate, unverifiable collection accounts and unauthorized inquiries listed above. 
All rights are reserved.

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