Consumer complaint received 2025-12-15 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 inaccurate and unverifiable collection accounts currently appearing on my consumer credit report. I previously disputed these items directly with the credit reporting agencies. Despite my disputes, these accounts continue to be reported without proper verification, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I have no knowledge of the collection accounts listed below. These accounts are not mine. Any information that can not be fully verified with competent documentation must be deleted. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX This address does not belong to me and has never been used by me. Please remove it from my credit file. 
XXXX XXXX XXXX XXXX, TX XXXX I do not recognize this address and have no connection to it. This information is inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Late Payment The late payment notation on this account is incorrect. The payment history being reported does not reflect my actual payment behavior. Please reinvestigate and correct the inaccurate late payment reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is reporting inaccurate late payment information. Please correct the payment history to ensure the account is reported accurately and in compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Issue : Late Payment The late payment history associated with this account is not accurate. I am requesting a full reinvestigation and correction of the payment history only. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Issue : Charge Off I have no knowledge of this account. I do not recognize this account as mine. Please provide full verification or delete this account if it can not be properly validated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Issue : Charge Off I have no knowledge of this account. This account is not mine. If you are unable to verify this account with proper documentation, it must be deleted from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off I do not recognize this account and have no knowledge of it. Please remove this account unless full and accurate verification can be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Charge Off This account does not belong to me. I am requesting immediate deletion if it can not be verified as accurate and mine. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Issue : Charge Off I have no knowledge of this account. It is being reported inaccurately. Please delete this account if proper verification can not be produced. 
XXXX XXXX XXXX  High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : Collection I do not recognize this account and have no knowledge of this alleged debt. Please remove this collection if it can not be properly verified. 
XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Issue : Collection I have no knowledge of this account. This collection does not belong to me. Immediate deletion is requested if verification can not be provided.

I am requesting that the CFPB review this matter and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by conducting a proper investigation and deleting any information that can not be fully verified.

Please require written confirmation of all corrections and deletions made to my credit report.

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