Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1700.00} XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Inaccurate late payment reported Story : I previously disputed this account but received no meaningful verification. The late payment was never properly validated and remains unverified. Please reinvestigate and remove if it can not be proven XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX  Law : FCRA 611, 607 ( b ) Issue : Delinquency inaccurately reported Story : There has been no evidence provided confirming this delinquency. It is negatively impacting my file and must be removed if not verifiable with original records XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX XXXX  Law : FCRA 611, 607 ( b ) Issue : Alleged late payment remains unvalidated Story : No sufficient documentation has been provided to confirm the accuracy of this negative mark. I request a proper reinvestigation and deletion if unverifiable XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  XXXX Law : FCRA 611, 607 ( b ) Issue : Payment status reported inaccurately Story : This late payment is not supported by any valid evidence and remains disputed. I ask for complete reinvestigation or deletion XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX  Law : FCRA 611, 607 ( b ) Issue : Unverified delinquency Story : No verification has been provided from the original creditor. This account should be removed if proper proof is not provided CHARGE OFFS XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611, 607 ( b ), FDCPA 807 ( 8 ) Issue : Charged-off status is misleading and unresolved Story : This account has a {$0.00} balance and should not be reported as a charge-off. Its continued presence harms my credit unfairly and is unverifiable XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Law : FCRA 611, 607 ( b ) Issue : Unjustified derogatory reporting Story : This charged-off status is outdated and unsupported. It is damaging and misleading. Please investigate and remove XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Charge-off should not be reporting with {$0.00} balance Story : The charge-off is inaccurate and unverifiable. It was resolved and should no longer appear in a negative manner XXXX  XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Misleading derogatory reporting Story : This charge-off is stale and unsupported. Please delete this item immediately XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Duplicate derogatory reporting Story : This account is reported twice, both as charged-off and paid. The duplication creates confusion and should be removed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Duplicate of the above listing Story : This is the same account listed again with a different detail. Its redundant, misleading, and must be deleted to ensure report XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX  Law : FCRA 611, FDCPA 807 ( 8 ) Issue : Collection is not validated Story : I never received proper notice or verification from the collection agency. The debt remains disputed and unverifiable. Please remove it from my report UNAUTHORIZED INQUIRIES XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Hard inquiry without consent Story : I did not authorize this credit pull. No account was opened and no permissible purpose existed. Please remove XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Inquiry without a credit application Story : I did not apply for credit from this company. This hard pull should not have occurred XXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Repetitive unauthorized inquiry Story : This appears to be a duplicate from XXXX XXXX XXXX XXXX. I never authorized this. Please remove XXXX BKPT CT VA XXXX XXXX Law : FCRA 607 ( b ), 609 Issue : Duplicate bankruptcy listing Story : This is the same bankruptcy listed twice with a variation in name. It is redundant and unfairly impacting my credit. Please correct this immediately I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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