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 regarding continued reporting of inaccurate, unauthorized, duplicate, and unverifiable information on my consumer credit reports despite multiple prior disputes. These issues remain unresolved and are causing ongoing harm. I have not submitted an FTC identity theft report at this time. The information below reflects violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681 ( a ) ( 1 ), 1681 ( b ), 1681e ( b ), 1681s-2 ( b ), and 1681b regarding permissible purpose for inquiries. 
XXXX XXXX High Balance {$280.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account and did not authorize it. The account ownership, charge-off status, and reporting accuracy are disputed. This item is unverifiable and must be deleted if it can not be fully validated as required by FCRA. 
XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off I dispute this account in its entirety. I do not recognize this obligation, and no competent evidence has been provided to support the charge-off. Failure to verify requires deletion. 
XXXX XXXX XXXX  XXXX High Balance {$850.00} Date Opened XX/XX/XXXX Charge Off This is a separate tradeline reporting inaccurate and unverified information. I dispute account ownership and charge-off reporting. Immediate investigation and deletion are required if verification can not be produced. 
XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account. The balance, status, and reporting history are inaccurate and unverifiable. Continued reporting violates FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX High Balance {$38000.00} Date Opened XX/XX/XXXX Charge Off I dispute the accuracy of this charge-off, including balance, status, and reporting. No proper investigation results have been provided despite prior disputes. This item must be removed if it can not be fully validated. 
XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX High Balance {$700.00} Date Opened XX/XX/XXXX Charge Off I do not recognize this account and dispute any obligation. The reporting is inaccurate and lacks proper verification under FCRA requirements. 
XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment The late payment status is incorrect. I am disputing the payment history only and requesting correction to accurately reflect my payment record. 
XXXX XXXX XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment This late payment reporting is inaccurate and does not reflect my actual payment behavior. I am requesting correction of the payment history pursuant to FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$3500.00} Date Opened XX/XX/XXXX Charge Off I dispute this account as not mine and challenge the accuracy of the charge-off. No valid verification has been provided. This item must be deleted if it can not be substantiated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$900.00} Date Opened XX/XX/XXXX Late Payment The late payment reporting is inaccurate. I am requesting correction of the payment history only, as the information currently reported is incorrect. 
XXXX XXXX XXXX XXXX High Balance {$2100.00} Date Opened XX/XX/XXXX Collection I dispute this collection account as not mine. The reporting is inaccurate and lacks proper verification. Deletion is required if validation can not be produced. 
XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this account. The balance and collection status are inaccurate and unverifiable. Continued reporting without validation violates federal law and requires deletion. 
XXXX XXXX XXXX XXXX High Balance {$370.00} Date Opened XX/XX/XXXX Collection I dispute this account as not mine. The balance and collection status are inaccurate and unsupported by competent evidence. Deletion is required if validation can not be produced. 
XXXX XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Collection I dispute this collection account in its entirety. I do not recognize the obligation, and no validation has been provided. This item must be deleted if it can not be verified. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment The late payment history being reported is inaccurate. I never made late payments as reported. I am requesting correction of the payment history only to reflect accurate information. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry This inquiry was not authorized by me. Deletion is required if permissible purpose can not be proven. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry I dispute this inquiry as unauthorized. Please remove it unless valid authorization is provided. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry This hard inquiry is inaccurate and unauthorized. Immediate deletion is requested. 
XXXX XXXX Date XX/XX/XXXX Inquiry I did not consent to this inquiry. Remove unless permissible purpose documentation exists. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry Unauthorized hard inquiry. Deletion is required under the FCRA. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry I did not apply for credit with this entity. This inquiry must be removed. 
XXXX XXXX XXXX Date XX/XX/XXXX Inquiry This inquiry was not authorized by me and must be deleted. 
Despite repeated disputes, the credit reporting agencies and furnishers have failed to conduct reasonable investigations or correct inaccurate reporting. I am requesting that CFPB require the credit bureaus and data furnishers to comply with federal law by deleting unverifiable collection accounts, removing duplicate reporting, correcting inaccurate late payment histories, and deleting unauthorized hard inquiries unless lawful permissible purpose can be proven. 
I respectfully request CFPB assistance to ensure compliance with the Fair Credit Reporting Act and to bring this matter to resolution.

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