Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions Inc. ( and the associated furnishers listed below ) for failing to maintain accurate information on my credit report and for not properly investigating my prior disputes, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( requiring reasonable procedures to ensure maximum possible accuracy ), 15 U.S.C. 1681s-2 ( duties of furnishers to provide accurate information and investigate disputes ), and 15 U.S.C. 1681i ( requiring reasonable investigation of disputed information ). These inaccuracies include negative accounts with late payments, a charge-off, collections, and an unauthorized inquiry, which are harming my credit score ( currently XXXX on FICO Score XXXX ) and preventing me from obtaining credit. Despite my previous disputes, Experian has not removed or corrected these items, as noted in comments like " Completed investigation of FCRA dispute - consumer disagrees '' and " Account information disputed by consumer. '' I request that the CFPB investigate this matter, require Experian and the furnishers to delete the inaccurate items immediately per 15 U.S.C. 1681i ( 5 ), and ensure my credit report is updated accurately. This should result in the removal of these derogatory marks, allowing my credit score to improve naturally.

Details of the Issues : 1. Inaccurate Negative Accounts ( Late Payments, Charge-Offs ) : - These accounts show incorrect payment histories, balances, dates, or statuses that do not reflect maximum possible accuracy under FCRA. I disputed them previously, but they remain. 
- XXXX XXXX XXXX XXXX  ( Account : XXXX, Balance : {$130.00}, Opened : XX/XX/XXXX ) : Late payments reported as 30 days ( XXXX XXXX ) and 60 days ( XX/XX/XXXX ). This is inaccurate ; I believe payments were made on time or the dates are wrong. Violation : 15 U.S.C. 1681e ( b ) and 1681i. 
XXXX XXXX XXXX XXXX ( Account : XXXX, Balance : {$60.00}, Opened : XX/XX/XXXX ) : Late payments reported as 30 days ( XX/XX/XXXX ) and 60 days ( XX/XX/XXXX ). The open date and payment history are incorrect. Violation : 15 U.S.C. 1681e ( b ) and 1681s-2. 
- XXXX XXXXXXXX ( Account : XXXX, Closed : XX/XX/XXXX ) : Late payments reported as 30 days ( XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XX/XX/XXXX ). This closed account 's history is inaccurate. Violation : 15 U.S.C. 1681i. 
- XXXX XXXXXXXX XXXX XXXX  ( Account : XXXX, Closed : XX/XX/XXXX ) : Late payments reported as 30 days ( XX/XX/XXXX ) and 60 days ( XX/XX/XXXX ). Dates and status are wrong. Violation : 15 U.S.C. 1681e ( b ). 
- XXXXXXXX XXXX XXXX Account : XXXX, Closed : XX/XX/XXXX, Charge-off : {$890.00} written off ) : Multiple late payments up to 180 days and charge-off status. Paid in settlement, but reporting is inaccurate and remark " Account paid in full for less than full balance '' is disputed. Violation : 15 U.S.C. 1681s-2 and 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Multiple accounts : XXXX closed XX/XX/XXXX ; XXXX closed XXXX XXXX ; XXXX closed XX/XX/XXXX ) : Late payments across these ( e.g., XX/XX/XXXX days in XXXX ). Histories are incorrect. Violation : 15 U.S.C. 1681e ( b ). 

2. Inaccurate Collections : - XXXX XXXX XXXX ( Original : XXXX XXXX  Account : XXXX, Balance : {$2300.00}, Opened : XX/XX/XXXX ) : Collection is inaccurate or unauthorized ; disputed but not removed. Violation : 15 U.S.C. 1681e ( b ) and 1681i. 
- XXXX XXXX XXXX XXXX Original : XXXX XXXX XXXX XXXX  Account : XXXX, Balance : {$1400.00}, Opened : XX/XX/XXXX ) : Recent collection is incorrect ; disputed but persists. Violation : 15 U.S.C. 1681s-2. 

3. Unauthorized Inquiry : - XXXX XXXX ( Date : XX/XX/XXXX ) : This hard inquiry was not authorized by me and lacks permissible purpose under 15 U.S.C. 1681b. It is negatively impacting my score without my consent. I did not apply for credit with this entity.

These items total {$41000.00} in debt, with 10 accounts ever late and 2 collections, leading to high credit usage ( 7 % ) and a fair score. I have attached my Experian credit report and prior dispute letters. Experian 's investigation was inadequate, as the items remain despite my evidence. 

Please require Experian to delete these items, reinvestigate thoroughly, and notify me of the results. Thank you for your assistance in resolving this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX 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