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: MN

Complaint narrative:
I am submitting this complaint to request regulatory review and corrective action regarding inaccurate, incomplete, and unverifiable information being reported on my consumer credit file, I previously disputed these items directly and they remain unresolved, under the Fair Credit Reporting Act 15 U.S.C. 1681a, 1681b, 1681e ( b ), and 1681i, as well as the Fair Debt Collection Practices Act 15 U.S.C. 1692e and 1692g, furnishers and consumer reporting agencies are required to ensure that all reported information is accurate, complete, and fully verifiable, information that can not be verified must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$1100.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of this account being charged off as reported, the status, balance, and charge-off designation are not verifiable, please provide complete documentation including original agreement, payment history, and proof of charge-off authority or delete this account. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$0.00} Date Opened XX/XX/XXXX Charge Off This account is inaccurately reported as a charge-off with a XXXX balance, this reporting is inconsistent and not verifiable, please correct the account to reflect accurate status with supporting records or remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$49000.00} Date Opened XX/XX/XXXX Charge Off I have no knowledge of a valid charge-off for this account, the amount and status reported are inaccurate, absent full verification including contract, itemized payment history, and lawful charge-off documentation, this account must be deleted. 
XXXX XXXX XXXX XXXX High Balance {$720.00} Date Opened XX/XX/XXXX Late Payment The late payment history reported on this account is inaccurate, I did not make late payments as stated, please correct the payment history to reflect accurate and timely payments and remove all incorrect late payment notations. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$24000.00} Date Opened XX/XX/XXXX Charge Off I dispute the charge-off status and balance reported, I have no knowledge of a valid charge-off, please conduct a lawful investigation and either fully verify with proper documentation or delete this account. 
XXXX XXXX XXXX XXXX XXXX High Balance {$130.00} Date Opened XX/XX/XXXX Charge Off I dispute the accuracy of this charge-off, the balance and status are not supported by verifiable evidence, please correct or delete in accordance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX High Balance {$52.00} Date Opened XX/XX/XXXX Charge Off This account is inaccurately reported as charged off, I have no knowledge of a valid charge-off, please provide full verification or remove this account. 
XXXX XXXX XXXX XXXX XXXX High Balance {$910.00} Date Opened XX/XX/XXXX Charge Off The charge-off status and balance reported are disputed, absent proper verification this account must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX High Balance {$420.00} Date Opened XX/XX/XXXX Charge Off I dispute the accuracy and completeness of this reporting, please investigate and delete if unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$1500.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this collection account, the balance and ownership are not verifiable, please validate the debt with complete documentation or delete the account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$1300.00} Date Opened XX/XX/XXXX Collection This account is disputed due to lack of verification, I have no knowledge of this alleged obligation, please provide lawful validation or remove the account. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$2500.00} Date Opened XX/XX/XXXX Collection Duplicate and inconsistent reporting of this collection is inaccurate and misleading, I dispute this account in full and request deletion unless fully verified. 
XXXX XXXX XXXX XXXX High Balance {$320.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this alleged debt, this account has not been properly validated, please investigate and delete if unverifiable. 
XXXX XXXX XXXX XXXX XXXX  High Balance {$620.00} Date Opened XX/XX/XXXX Collection I have no knowledge of this alleged debt, this collection has not been properly validated, please provide full documentation including original creditor, signed agreement, itemized balance calculation, and proof of legal assignment or delete this account. 
XXXXXXXX XXXX XXXX High Balance {$4000.00} Date Opened XX/XX/XXXX Collection I dispute the accuracy and ownership of this collection account, I have no knowledge of this obligation, absent lawful validation this account must be removed. 
XXXX XXXX XXXX  Date XX/XX/XXXX Inquiry I did not authorize this inquiry and no permissible purpose has been established under 15 U.S.C. 1681b, please remove this inquiry from my credit file immediately. 
Despite prior disputes, these items continue to be reported without proper investigation or verification, this reflects a failure to comply with reinvestigation and accuracy requirements under federal law, I am requesting that the CFPB review this matter and require the involved parties to conduct a lawful investigation and correct or delete all inaccurate, unverifiable, duplicate, or unauthorized reporting from my credit file.

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