Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate & Unverified Information per FCRA Dear Experian, I am writing to formally dispute several negative items being reported on my credit report. These entries are either inaccurate, outdated, unverifiable, or reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully request that you conduct a full reinvestigation of the following accounts, and remove any that can not be fully verified according to FCRA 611 and 609 ( a ) ( 1 ).

________________________________________ 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$210.00} | Status : Charge-Off Issue : Balance inaccurately reported ; possibly charged off without proper notice. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information.

Action Requested : Please provide full verification or delete this tradeline.

________________________________________ 2. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$250.00} | Status : Charge-Off Issue : Inaccurate reporting and lack of updated information. 
FCRA Violation : 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate properly.

Action Requested : Verify with documentation or remove from my report.

________________________________________ 3. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$1600.00} | Status : Charge-Off Issue : Reported beyond reasonable timeframe ; no recent activity. 
FCRA Violation : 605 ( a ) ( 4 ) Time-barred debt reported beyond 7 years.

Action Requested : Please delete if it can not be verified or has aged out.

________________________________________ 4. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Status : Charge-Off Issue : Duplicate/unauthorized entry possibly double-reported. 
FCRA Violation : 623 ( a ) ( 5 ) Failure to report accurate date of first delinquency.

Action Requested : Investigate for duplication and remove if unverifiable.

________________________________________ 5. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$540.00} | Status : Late Payments Issue : Late payments inaccurately reported never received notices. 
FCRA Violation : 623 ( b ) Duty to investigate disputed data.

Action Requested : Validate or remove the late payment history.

________________________________________ 6. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$680.00} | Status : Late Payments Issue : Inaccurate dates and amounts reported. 
FCRA Violation : 611 ( a ) ( 5 ) ( A ) Failure to remove unverifiable data.

Action Requested : Investigate and remove if full verification is unavailable.

________________________________________ 7. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX | High Balance : {$1700.00} | Status : Late Payments Issue : Inconsistent reporting across bureaus. 
FCRA Violation : 602 Right to fair and accurate credit reporting.

Action Requested : Validate all payment records or delete the tradeline.

________________________________________ 8. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$22000.00} | Status : Charge-Off Issue : Disputed auto loan charge-off possibly repossessed without proper documentation. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) Action Requested : Provide complete original documentation or delete.

________________________________________ 9. XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$630.00} | Status : Charge-Off Issue : Very old account over 10 years old.

FCRA Violation : 605 ( a ) Time-barred account must be removed.

Action Requested : Delete due to age and expiration under FCRA rules.

________________________________________ Hard Inquiries ( Unauthorized or Duplicate ) XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize these inquiries. Many appear to be duplicates or initiated without permissible purpose.

FCRA Violation : 604 ( a ) ( 3 ) No permissible purpose for inquiry.

Action Requested : Please delete any inquiry for which you can not provide signed consent or a valid permissible purpose.

________________________________________ Emotional Explanation During many of the dates these accounts became delinquent, I was enduring major financial hardship due to family medical emergencies and job instability. I have since made every effort to rebuild my life with responsibility and discipline. These negative entries are inaccurate, unverified, and are hindering my ability to move forward.

All Im asking is for fairness and accuracy as promised by the Fair Credit Reporting Act.

________________________________________ Final Request Reinvestigate all disputed accounts Provide validation from original creditors ( as required by 609 ( a ) ( 1 ) ) Remove unverifiable, outdated, or inaccurate information Respond within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ) I appreciate your prompt attention and look forward to receiving an updated credit report. 
Sincerely, XXXX XXXX

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