Consumer complaint received 2025-12-18 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 complaint to report ongoing violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who continue to report inaccurate, unverified, and unauthorized information on my consumer credit report. These same items have already been disputed directly, yet they remain unresolved. At this time, my dispute is still open and unresolved, and no FTC report has been submitted. 
This complaint is submitted pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681, 1681a, 1681b, 1681c, and 1681s-2, which require maximum possible accuracy, a reasonable investigation, and verification of permissible purpose for any information reported on a consumer credit file. Information that can not be properly verified must be corrected or deleted. 
XXXX Account # XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$140000.00} Late Payment This account is reporting late payments that are inaccurate. I have never made any late payments as reported. This payment history is incorrect and does not reflect my actual account activity. Please investigate and correct the late payment history to accurately reflect my true payment record. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no knowledge of this account being charged off as reported. This information is inaccurate and has not been properly validated. Please conduct a full investigation and delete or correct this account if it can not be verified as accurate. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I do not recognize or agree with the charge-off status being reported on this account. This reporting is inaccurate and misleading. Please investigate and remove or correct this account if you are unable to verify it with proper documentation. 
XXXX Account XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$48.00} Late Payment The late payment history being reported on this account is inaccurate. I did not make any late payments as claimed. Please investigate and correct the payment history to reflect accurate information only. 
XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is incorrectly reporting late payments. The payment history is inaccurate and does not reflect my actual performance on this account. Please investigate and correct the late payment reporting immediately. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$680.00} Charge Off I have no knowledge of this account being charged off. This information appears to be inaccurate and unverified. Please conduct a reasonable investigation and delete or correct this account if it can not be validated. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The late payment reporting on this account is inaccurate. I did not miss payments as reported. Please investigate and correct the payment history to ensure maximum possible accuracy. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Late Payment This account reflects late payments that are not accurate. The reporting does not align with my actual payment behavior. Please investigate and correct the inaccurate late payment history. 
XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment I dispute the late payment information associated with this account. The reporting is inaccurate and must be corrected after a proper investigation. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The late payment status reported on this account is incorrect. I request a full investigation and correction of the inaccurate payment history. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is reporting late payments that are inaccurate. I did not make late payments as reported. The payment history is incorrect and must be investigated and corrected to reflect accurate information only. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Late Payment The late payment information being reported on this account is inaccurate. This does not reflect my true payment history. Please conduct a reasonable investigation and correct the inaccurate late payment reporting. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Charge Off I do not recognize or agree with the charge-off status being reported. This information is inaccurate and lacks proper verification. Please conduct a full investigation and delete or correct this account as required by law. 
XXXX XXXX XXXX Account # XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Collection I dispute this collection account as I have no knowledge of it. This reporting is inaccurate and misleading. Please investigate and delete or correct this account if it can not be validated. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00} Collection I do not recognize this collection account. The information being reported is inaccurate and unverified. Please conduct a reasonable investigation and remove or correct this item. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Collection I have no knowledge of this collection account. This reporting is inaccurate and must be fully investigated. Please delete or correct this account as required under the FCRA. 
XXXX XXXX  Account # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection I have no knowledge of this collection account. This information is inaccurate and unverified. Please conduct a reasonable investigation and delete or correct this account if it can not be properly validated. 
XXXX/DOFED Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200000.00} Late Payment The late payment history being reported on this account is inaccurate. It does not reflect my true payment history. Please investigate and correct the late payment reporting to ensure maximum possible accuracy. 
EXPERIAN XXXX XXXX  Date : XX/XX/XXXX Inquiry I did not authorize this inquiry. It appears on my consumer credit report without my consent. Please remove this inquiry immediately if permissible purpose can not be verified. 
XXXX XXXX  XXXX : XX/XX/XXXX Inquiry I do not recognize this inquiry and did not provide authorization. Please remove this inquiry after investigation. 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry I have no knowledge of authorizing this inquiry. Please remove this inquiry if you can not provide proper verification. 
Despite submitting disputes, these inaccuracies remain on my credit report. This demonstrates a failure to conduct reasonable investigations and ensure accurate reporting as required by federal law. I am requesting that the CFPB review this matter and require the removal or correction of all information that can not be properly verified.

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