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 filing this complaint to report inaccurate, misleading, and unauthorized information that continues to appear on my consumer credit report despite my rights under the Fair Credit Reporting Act 15 U.S.C. 1681 and the Fair Debt Collection Practices Act 15 U.S.C. 1692. Credit reporting agencies and furnishers are legally required to report information with maximum possible accuracy and only when a lawful and permissible purpose exists. The accounts and inquiries listed below do not meet these requirements and are causing ongoing harm to my credit profile. 
XXXX account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$0.00} is listed as a charge off. This reporting is inaccurate and misleading because a XXXX balance charge off without supporting documentation does not reflect accurate account history. Under FCRA 1681e ( b ), information must be reported with maximum possible accuracy. If this account can not be fully verified with complete payment history, charge off justification, and contractual obligation, it must be deleted. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$470.00} is reporting late payment history. This late payment reporting is inaccurate. I did not make late payments as reported, and the payment history does not reflect my actual account activity. Under FCRA 1681s-2 ( a ), furnishers must correct inaccurate information. I am requesting correction of the late payment history only, not deletion of the account. 
XXXX XXXX XXXX account number XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$19000.00} is reported as a charge off. I dispute the accuracy and completeness of this reporting. No valid documentation has been provided showing how this balance was calculated, when default occurred, or that proper notice was issued. If this account can not be fully substantiated, it must be removed under FCRA 1681c and 1681e ( b ). 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1300.00} is reporting as a collection. I dispute ownership and accuracy of this account. No proof of liability, assignment, or authorization to report has been provided. This account must be deleted if verification can not be produced as required by FCRA and FDCPA. 
XXXX XXXX XXXX account number XXXXXXXX XXXX opened on XX/XX/XXXX with a balance of {$15000.00} is reporting as a collection. This account is inaccurate and appears improperly reported, including questionable dates and duplicate reporting concerns. I have no knowledge of this debt. Full validation is required or the account must be removed. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$670.00} is reporting as a collection. I dispute this account in its entirety. No documentation has been provided showing I owe this debt or that XXXX has legal authority to report it. If verification is not produced, deletion is required under FCRA 1681i. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$820.00} is reporting as a collection. This appears to be duplicate or re-aged reporting. I dispute the validity, ownership, and accuracy. Under FCRA 1681c ( a ), re-aging is prohibited. Delete if not fully verifiable. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$2400.00} is reporting as a collection. I dispute this account due to lack of proof, ownership, and accuracy. Validation is required or deletion must occur. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$200.00} is reporting as a collection. I have no knowledge of this account and dispute its accuracy. Validation is required under FDCPA 1692g. If not validated, delete immediately. 
XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$670.00} is listed as a collection account. I have no knowledge of this alleged debt and no record of any contractual obligation with this company. No documentation has been provided showing original creditor information, assignment of debt, or legal authority to report. Under FCRA 1681i and FDCPA 1692g, this account must be fully validated or deleted. 
XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$1500.00} is reporting as a collection account. I dispute the accuracy and ownership of this account. There is no proof that I owe this debt or that this entity has the right to report it. If proper verification can not be produced, deletion is required under FCRA 1681e ( b ). 
XXXX XXXX XXXX inquiry dated XX/XX/XXXX is an unauthorized hard inquiry. I did not apply for credit with this company and did not provide permission for my credit report to be accessed. Under FCRA 1681b, a permissible purpose is required. This inquiry must be removed. 
I am requesting that the CFPB investigate these matters and require the credit reporting agencies and furnishers involved to comply with federal law. Any account or inquiry that can not be fully verified with complete and accurate documentation must be deleted or corrected immediately. I request written confirmation of the actions taken to resolve these violations.

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