Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing this formal complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. against multiple furnishers and credit reporting agencies for reporting and maintaining inaccurate, incomplete, and unverifiable information on my consumer credit file. These violations have caused me harm, including damage to my creditworthiness, emotional distress, and financial hardship. 

Disputed Accounts & Issues XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : This account is being reported inaccurately. Reporting a {$0.00} high balance while maintaining a tradeline is misleading and does not comply with FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or misleading information. 

XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX Reported High Balance : {$15000.00} Date Opened : XX/XX/XXXX Issue : This account was included in my XXXX  XXXX Bankruptcy filing ( Case Ref : [ XXXX XXXX XXXX  ] ) and is therefore subject to automatic stay and bankruptcy protections. Reporting this tradeline without proper bankruptcy notation is a violation of FCRA 1681c ( a ) ( 1 ) and U.S. Bankruptcy Code 362. 

XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX Reported High Balance : {$48000.00} Date Opened : XX/XX/XXXX Issue : This account is being reported with inaccurate balance and status information. Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit reporting agencies are required to conduct a reasonable reinvestigation when notified of a dispute. Continued reporting of unverifiable or inaccurate data violates my rights. 

XXXX. XXXX Acct # XXXXXXXX XXXX XXXX Reported High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : This account is being reported with a future open date ( XX/XX/XXXX ), which is factually impossible and a clear inaccuracy. This is a blatant violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report. 

Legal Basis of My Complaint FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

FCRA 1681i ( a ) : Grants me the right to dispute inaccurate or incomplete information and requires reinvestigation. 

FCRA 1681s-2 : Prohibits furnishers from reporting information they know or should know is inaccurate. 

U.S. Bankruptcy Code 362 : Protects consumers from continued collection or adverse reporting on debts included in bankruptcy. 

Requested Relief I respectfully request that the CFPB investigate these violations and take appropriate enforcement action. Specifically, I request that : The above-referenced accounts be corrected or deleted from my credit file. 

All furnishers be compelled to provide proper documentation verifying the accuracy of their reporting. 

Any unverifiable, inaccurate, or misleading information be permanently removed. 

Credit reporting agencies be held accountable for failing to ensure maximum possible accuracy as required under federal law.

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