Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being submitted to report ongoing violations of the Fair Credit Reporting Act by multiple furnishers and consumer reporting agencies. Despite submitting prior disputes and allowing sufficient time for reinvestigation, inaccurate and unverified information continues to be reported on my consumer credit file. This complaint is being filed while my prior CFPB case remains open, and this submission reflects continued noncompliance. I have not yet submitted an FTC identity report ; however, the Fair Credit Reporting Act does not require an FTC filing for a furnisher or bureau to comply with its duty to ensure maximum possible accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 
XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$620.00} | Reporting Issue : Late Payment * * The late payment history reported on this account is inaccurate. My records do not support any late payments being made on this account. Under the FCRA, you are required to report payment history accurately and completely. I am disputing the late payment notation only and requesting correction of the payment history to reflect accurate reporting. Deletion is not being requested ; correction of the inaccurate late payment history is required after proper reinvestigation. 
XXXX  Account XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1700.00} | Reporting Issue : Collection * * I have no knowledge of this collection account and do not recognize it as mine. You are required to verify this account with original creditor documentation, including proof of consumer obligation. If you can not verify that this account belongs to me, it must be deleted from my credit file. 
XXXX  Account XXXX Date Opened : XX/XX/XXXX | High Balance : {$5200.00} | Reporting Issue : Collection * I have no knowledge of this account and dispute its ownership. Please provide proper verification demonstrating that I am legally responsible for this debt. If such verification can not be produced, the account must be removed in accordance with 15 U.S.C. 1681i. 
XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry and no permissible purpose has been established. This inquiry is disputed and must be removed unless you can provide written proof of authorization. 
XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me. Please remove this inquiry unless you can demonstrate a valid permissible purpose under the FCRA. 
XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I dispute this inquiry as unauthorized. Please delete this inquiry if you can not validate permissible purpose. 
XXXX / XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and is disputed. Removal is required if lawful authorization can not be produced. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX I did not authorize this inquiry. Please remove this inquiry unless valid written authorization is provided. 
XXXX XXXX  Inquiry dated XX/XX/XXXX I dispute this inquiry as I did not authorize it. Removal is requested unless proper documentation is available. 
I am requesting that the CFPB review this complaint and require the furnishers and consumer reporting agencies involved to fully comply with federal law, conduct lawful reinvestigations, correct inaccurate information, and remove any information that can not be verified. Continued reporting of inaccurate or unverified data after dispute causes ongoing harm and reflects systemic noncompliance. I request written confirmation of corrective action taken.

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