Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17902708
Complaint Overview
Complaint ID: 17902708
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Texas
ZIP Code: 77076
Date Received: 2025-12-09T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate, misleading, or unverifiable information. The items below are either collections or inquiries that are inaccurate, unknown, or unauthorized, and I demand they be corrected or removed immediately. Wrong Address Listings : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX I have never resided here, yet it appears on my credit file. This false information could affect my credit verification and approval for legitimate credit. Accounts Disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$470.00} Charge Off * * I have no knowledge of this account, never opened it. Its reporting is fraudulent. Removing it is required to correct my credit record and prevent damage to my credit score. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$620.00} Charge Off * * I dispute this charge-off as I have no relationship with this creditor. Its presence on my report is inaccurate and harmful. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$580.00} Collection * * I have no knowledge of this account. Its reporting as a collection is false and damaging. XXXX deletion is requested. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$620.00} Collection * * This collection is unknown to me. Reporting it inaccurately violates FCRA 1681i. Correction or deletion is required. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$580.00} Collection * * I have never been involved with this account. Its presence on my report is misleading and must be removed. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$1700.00} Collection * * This collection is fraudulent or inaccurate. I demand verification, and if unverifiable, immediate deletion. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$470.00} Collection * * Reporting this account is incorrect. I have no knowledge of it. Immediate correction or deletion is required. Hard Inquiries Disputed : XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Under FCRA 1681b, unauthorized inquiries are a violation and must be removed. XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this entity. The inquiry is invalid. XXXX XX/XX/XXXX I did not authorize this. Removal is required. I demand that all disputed collections and inquiries be investigated, corrected, or deleted immediately. I request that your investigation include verification with the original creditors and written confirmation of the outcome as required under 15 U.S.C. 1681i ( a ) ( 6 ). Failure to comply with FCRA regulations exposes the reporting agencies and creditors to legal liability. I am prepared to escalate this matter if my rights are not fully restored. Supporting Documents : Proof of current address Identification documents Credit report screenshots highlighting disputed items I expect a response within 30 days, as mandated under the FCRA. This complaint is submitted for correction, deletion, and verification of all items in question.
Frequently Asked Questions
What is Complaint #17902708 about?
Complaint #17902708 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-09T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.