Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate accounts and unauthorized credit inquiries that continue to appear on my credit report. These items remain despite prior disputes submitted directly to the credit reporting agencies. The continued reporting demonstrates a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and a failure to ensure maximum possible accuracy of consumer information. 
ACCOUNT : XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX Balance Owed : {$78000.00} Status : Late Payment ISSUE : This account is inaccurately reporting late payments. I never made late payments on this account as reported. The payment history is incorrect and materially misleading. Under 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ), only accurate information XXXX be reported. I am requesting immediate correction of the payment history to reflect accurate, on-time payments only. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Status : Late Payment ISSUE : The late payment reporting on this account is false. The information furnished does not reflect my actual payment activity. Continued reporting of inaccurate payment history violates 15 U.S.C. 1681e ( b ). I am requesting correction of the late payment history, not deletion of the account. 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off ISSUE : I have no knowledge of this account being charged off as reported. The balance is {$0.00}, yet it is still reported as a charge-off, which is inaccurate and misleading. Under 15 U.S.C. 1681a and 1681i, this account must be fully investigated and deleted if it can not be properly verified. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off. I have no knowledge of the account being reported in this manner. If the furnisher can not provide complete and accurate verification, this account must be deleted pursuant to 15 U.S.C. 1681i ( a ). 
ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off ISSUE : Reporting a charge-off with a XXXX balance is inaccurate and misleading. I have no knowledge of this account being charged off. This violates the requirement to report information with maximum possible accuracy under 15 U.S.C. 1681e ( b ). Immediate deletion is requested if verification can not be produced. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$830.00} Status : Charge Off ISSUE : I dispute this charge-off and have no knowledge of the account being reported as such. The information appears incomplete and inaccurate. A full reinvestigation is required under 15 U.S.C. 1681i, and deletion is required if the furnisher fails to verify. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Status : Late Payment ISSUE : The late payment history reported on this account is inaccurate. I did not make late payments as reported. Under the Fair Credit Reporting Act, inaccurate payment history must be corrected. I am requesting correction of the payment history only. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : Late Payment ISSUE : This account is reporting late payments that are not accurate. The reporting does not reflect my actual payment behavior. Continued reporting of incorrect late payments violates 15 U.S.C. 1681e ( b ). Immediate correction is required. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off and have no knowledge of the account being reported in this manner. If proper verification can not be provided, this account must be deleted under 15 U.S.C. 1681i. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Status : Charge Off ISSUE : I have no knowledge of this account being charged off as reported. The information is inaccurate and misleading. Under 15 U.S.C. 1681e ( b ) and 1681i, this account must be fully investigated and deleted if it can not be properly verified with accurate documentation. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Status : Charge Off ISSUE : I dispute the accuracy of this charge-off. I have no knowledge of this account being reported in this manner. Continued reporting without proper verification violates the requirement to report information with maximum possible accuracy. Deletion is required if verification can not be produced. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$810.00} Status : Late Payment ISSUE : The late payment history reported on this account is inaccurate. I did not make late payments as reported. Under 15 U.S.C. 1681e ( b ), inaccurate payment history must be corrected. I am requesting correction of the late payment reporting only. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Status : Collection ISSUE : I have no knowledge of this collection account. The reporting is unverified and inaccurate. Under 15 U.S.C. 1681i, this account must be deleted if proper verification can not be provided. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Status : Collection ISSUE : This account is duplicative of other XXXX entries and reports conflicting balances. Duplicate and inconsistent reporting is misleading and unlawful. Deletion is required unless complete accuracy can be proven. 
ACCOUNT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Collection ISSUE : Multiple entries for the same alleged debt with different balances violate the accuracy requirements of the Fair Credit Reporting Act. These entries must be corrected or deleted immediately. 
ACCOUNT : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Collection ISSUE : I have no knowledge of this collection account. I dispute the validity of the debt as reported. Under federal law, this account must be deleted if it can not be fully verified. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Status : Collection ISSUE : I have no knowledge of this alleged debt. The account has not been properly validated. Continued reporting without verification violates 15 U.S.C. 1681i and requires deletion. 
ACCOUNT : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Status : Collection ISSUE : This is a duplicate entry of the same alleged account with the same balance. Duplicate reporting is inaccurate and misleading. XXXX deletion of XXXX or all duplicate entries is required. 
ACCOUNT : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Status : Late Payment ISSUE : This account is inaccurately reporting late payments. I did not make late payments as reported. The payment history is incorrect and misleading. Under 15 U.S.C. 1681e ( b ), inaccurate payment history must be corrected immediately. 
ACCOUNT : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment ISSUE : Reporting late payments on an account with a XXXX balance is inaccurate and misleading. I did not make late payments as reported. I am requesting immediate correction of the payment history under 15 U.S.C. 1681e ( b ). 
ACCOUNT : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$72.00} Status : Late Payment ISSUE : The late payment information reported on this account is inaccurate and does not reflect my actual payment activity. Continued reporting of incorrect information violates the Fair Credit Reporting Act. Correction is required. 
ACCOUNT : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment ISSUE : This account is reporting late payments despite a XXXX balance. This reporting is inaccurate and misleading. XXXX correction of the payment history is required. 
INQUIRY : XXXX CARD Date : XX/XX/XXXX ISSUE : I did not authorize this credit inquiry and no permissible purpose has been established. Under 15 U.S.C. 1681b, this inquiry must be deleted immediately. 
INQUIRY : XXXX Date : XX/XX/XXXX ISSUE : This inquiry was not authorized by me. No permissible purpose exists under federal law. Deletion is required pursuant to 15 U.S.C. 1681b. 
INQUIRY : XXXX Date : XX/XX/XXXX ISSUE : I dispute this inquiry as unauthorized. Continued reporting without permissible purpose violates the Fair Credit Reporting Act. XXXX deletion is required. 
Despite submitting disputes, these inaccuracies remain on my credit report. This reflects a failure by furnishers and credit reporting agencies to conduct reasonable investigations as required under 15 U.S.C. 1681i. I am requesting that the CFPB review this matter and require the responsible parties to correct or delete all inaccurate accounts and unauthorized inquiries immediately.

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