Consumer complaint received 2025-09-05 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 the Consumer Financial Protection Bureau regarding inaccurate, misleading, and unverifiable information on my credit file. The items listed below violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, XXXX ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX. I request full reinvestigation, correction, and removal of any inaccurate or unverified information. Each item is detailed below with Issue, Law, and Story XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment Issue : Inaccurate late payment reporting Law : FCRA 15 U.S.C. XXXX, XXXX ( b ) Story : This late payment is falsely reported. I have never received proper notice or validation of this debt. Reporting it harms my credit score, misrepresents my payment history, and negatively impacts my ability to obtain credit. Immediate correction or removal is required XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payment Issue : Duplicate and false reporting Law : FCRA 15 U.S.C. XXXX, XXXX ( b ) Story : This account is reported twice and inaccurately marked as late. Duplicate reporting exaggerates negative impact and misrepresents my financial responsibility. Immediate deletion is required XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$470.00} Late Payment Issue : Unverified late payment Law : FCRA 15 U.S.C. XXXX Story : This account is reported late without proper validation. Misrepresenting my payment behavior harms my creditworthiness and misleads potential creditors. Full reinvestigation and removal requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$630.00} Late Payment Issue : Inaccurate reporting Law : FCRA 15 U.S.C. XXXX ( b ) Story : This late payment is reported without verification. It misrepresents my financial history, damages my credit score, and affects my access to credit. Must be corrected immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Late Payment Issue : False reporting Law : FCRA 15 U.S.C. XXXX Story : This late payment is inaccurate and unverifiable. It misrepresents my payment history and negatively impacts my creditworthiness. Immediate correction is required XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : False reporting Law : FCRA 15 U.S.C. XXXX ( b ) Story : This account shows a late payment inaccurately. Reporting a XXXX balance as late misrepresents my credit behavior. Immediate deletion is requested XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : I did not authorize this inquiry. Reporting it harms my credit profile and misleads potential creditors. Immediate deletion required XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : I did not authorize this inquiry. Its reporting falsely impacts my credit profile. Immediate removal requested XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : Reporting without authorization misrepresents my credit activity and damages my financial reputation. Immediate removal requested I request that all unverifiable or inaccurate items listed above be fully removed or corrected, and that I receive written confirmation of the reinvestigation results as required under FCRA 15 U.S.C. 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