Consumer complaint received 2025-12-24 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 regarding the failure of credit reporting agencies and data furnishers to correct inaccurate, incomplete, duplicate, and unauthorized information on my consumer credit report. I previously disputed these items directly with the credit bureaus. Despite my disputes, the information continues to be reported without proper correction or removal. This complaint is being filed due to continued noncompliance with the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2200.00} Late Payment The late payment history being reported is inaccurate. I did not make late payments as reported. This accounts payment history does not reflect accurate activity and must be corrected to accurately report the account status in compliance with 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX {$6100.00} Late Payment The reported late payments are inaccurate and misleading. The payment history does not reflect correct information. I am disputing the accuracy of the late payment reporting and requesting correction of the payment history only as required by the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} Late Payment This late payment reporting is inaccurate. The account history is not being reported with maximum possible accuracy. Please conduct a reasonable reinvestigation and correct the payment history accordingly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} Late Payment The late payment designation is inaccurate and unsupported. The reported payment history does not reflect my actual payment behavior and must be corrected under 15 USC 1681i. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4500.00} Late Payment The late payment history reported on this account is inaccurate. The account is being reported with incorrect payment status and must be corrected to reflect accurate information only. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5500.00} Late Payment This is a duplicate tradeline reporting inaccurate late payment information. The payment history is incorrect and must be corrected. Duplicate and inaccurate reporting violates FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$340.00} Charge Off I dispute the accuracy and completeness of this charge-off reporting. The account status is being reported inaccurately and without proper verification. Please investigate and correct or remove this item if it can not be fully verified. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$9500.00} Collection I have no knowledge of this account. This collection has not been properly validated and is being reported without verified accuracy. Under the FCRA, this item must be investigated and deleted or corrected if it can not be verified. 

XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Please remove immediately. 
XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. I did not provide consent. Removal is required. 
XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry lacking permissible purpose. Remove from my credit file. 
XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Please delete. 
XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Delete. 
XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry with no permissible purpose. Delete. 
XXXX XXXX Inquiry dated XX/XX/XXXX Duplicate unauthorized inquiry. Remove. 
XXXX XXXX Inquiry dated XX/XX/XXXX Duplicate unauthorized inquiry. Delete. 
XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Delete. 
XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Remove. 
XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Delete. 
XXXX XXXX Inquiry dated XX/XX/XXXX Duplicate unauthorized inquiry. Remove. 
XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Delete. 
XXXX XXXX XXXXXXXX Inquiry dated XX/XX/XXXX Unauthorized inquiry. Delete. 
Despite proper notice, the credit bureaus and furnishers failed to conduct a reasonable reinvestigation and failed to correct or delete information that is inaccurate, unverifiable, or reported without permissible purpose. This continued reporting is causing ongoing harm and reflects systemic noncompliance with the Fair Credit Reporting Act. 
I am requesting that the CFPB review this matter and require the credit reporting agencies and furnishers involved to comply with federal law by correcting inaccurate late payment histories, deleting duplicate and unverified collection and charge-off accounts, and removing all unauthorized inquiries. I am also requesting written confirmation of the actions taken to resolve these violations.

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