Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formal dispute to request a reinvestigation of several items on my credit report that are inaccurate, incomplete, or unverifiable. These items are negatively affecting my credit profile and must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
Late Closed Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$780.00} This account is reported as late closed ; however, the reported payment history and status do not align with my records. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure that all information is accurate and complete. I request that this account be reinvestigated with the creditor and corrected to reflect accurate payment history. 
Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} These charge-off accounts are reported with balances and status information that are inconsistent with my records. FCRA 607 ( b ) and 611 ( a ) [ 15 U.S.C. 1681e ( b ), 1681i ] require that all reported data be verified and complete. I request that these accounts be reinvestigated directly with the original creditors and that any unverifiable or inaccurate information be corrected or updated immediately. 
Collection Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} These collection accounts have inconsistencies in balances, reporting dates, and account status. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], each item must be fully verified with the original creditor. If the creditor can not provide documentation to substantiate the balances, statuses, or reporting dates, the entries must be corrected or removed from my credit file.

Inquiries Included in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these inquiries as they may not have a verifiable permissible purpose in accordance with FCRA 604 ( a ) [ 15 U.S.C. 1681b ]. I request that each inquiry be verified with the furnisher. Any inquiry that can not be substantiated must be removed or corrected to ensure that my credit report accurately reflects only authorized credit activity.

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