Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 75013\n\n\nSubject: Escalation of Unresolved Credit Disputes via CFPB  Formal Complaint\nDear Experian,\nI am writing to file a formal dispute and complaint regarding several inaccurate and unverifiable items currently being reported on my Experian credit file. I have previously contacted you about these issues, but I have not received any satisfactory response, documentation, or resolution. As such, I am now escalating this matter through the Consumer Financial Protection Bureau (CFPB).\nBelow are the disputed items:\n________________________________________\nLate Payments\nXXXX XXXX XXXX XXXX #227040:*\nBoth of these accounts are showing late payments without any form of validation. Under FCRA 15 U.S.C.  1681i, you are required to perform a reasonable investigation and verify the accuracy of any disputed item. I request that you provide detailed records including the original creditor agreements and full payment history to support this reporting.\n________________________________________\nCharge Offs\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThese accounts are inaccurately listed as charge-offs and are causing substantial harm to my credit profile. You have failed to provide sufficient documentation or conduct a legitimate reinvestigation. Under FCRA  623(b), furnishers are obligated to report information accurately and respond to disputes with verified evidence. Please delete these accounts unless full validation is provided.\n________________________________________\nCollections\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are being reported by third-party debt collectors, some of which may be duplicates or unverifiable. As per FDCPA  809(b) and FCRA  611, I request that you provide proper validation, including the original signed contracts and complete chain of title. Failure to verify these debts within 30 days will constitute grounds for deletion under FCRA  611(a)(5).\n________________________________________\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSOLIDATED - XXXX:\nI never authorized these inquiries and believe they may violate FCRA  604(a) which outlines permissible purposes for obtaining a consumer report. If you cannot produce evidence of my consent, these inquiries must be removed immediately.\n________________________________________\nRequested Resolution:\nI demand the immediate reinvestigation and deletion of any item that cannot be verified with legally sufficient documentation. All responses should be made in writing and in compliance with the Fair Credit Reporting Act and Consumer Financial Protection Bureau guidelines. If the data furnishers cannot verify these accounts or inquiries, they must be deleted from my credit report within 30 days.\nPlease treat this letter as an official CFPB complaint for your records and reply accordingly.\nSincerely,\nLuis Salas'

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