Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint due to serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies. Despite multiple efforts to correct the inaccuracies on my credit file, my credit report continues to reflect incorrect personal information and materially damaging account information that is either inaccurate, outdated, misrepresented, or duplicative.

I. Inaccurate Personal Information Wrong Addresses My credit file reflects multiple addresses that I have never lived at, authorized, or been affiliated with. These addresses are materially incorrect and raise concerns of identity confusion or mixed files : XXXX XXXX XXXX, XXXX, LA XXXX Wrong Address XXXX XXXX XXXX, XXXX, LA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, LA XXXX Wrong Address Violation of FCRA 607 ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Violation of FCRA 609 ( c ) : I was not properly notified of any address changes nor was I allowed to validate or verify this information. 
XXXX. Disputed Accounts XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : Charge Off This account is inaccurately reported as a charge-off despite previously being disputed. The amount listed does not reflect the actual debt obligation, and the reporting fails to include accurate updates or verification.

Violation of FCRA 611 : This account was previously disputed. The bureau failed to reinvestigate and provide proper results or remove the account.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

Violation of FCRA 602 ( A ) : Credit reporting must ensure fairness, impartiality, and respect for the consumers privacy. 
XXXX. XXXX, XXXX. 
Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off This account is listed as a charge off with a {$0.00} balance, which is contradictory. If no balance is owed, it can not be legally reported as a charge-off. This inconsistency affects my credit score and creates confusion in potential creditworthiness assessments.

Violation of FCRA 607 ( b ) : The reported status is misleading and reflects inaccurate credit behavior.

Violation of FCRA 623 ( a ) ( 2 ) : Furnishers must promptly correct and update information that is found to be incomplete or inaccurate. 
XXXX. Public Record Bankruptcy Reference # XXXX Court : U.S. Bankruptcy Court This bankruptcy reporting is vague and lacks sufficient detail, such as discharge status, chapter type, or specific court jurisdictional references. There are also no linked tradelines indicating which accounts were included in the bankruptcy, making this record both ambiguous and potentially outdated or misreported.

Violation of FCRA 611 ( a ) ( 5 ) : The reporting agency failed to verify and report the completeness of the public record.

Violation of FCRA 605 ( a ) ( 1 ) : If the bankruptcy is outdated or misreported ( older than XXXX  years, or XXXX with inaccurate updates ), it XXXX no longer be reportable. 
Requested Resolution : I request the Consumer Financial Protection Bureau take immediate steps to investigate and ensure the following : XXXX. Removal of all inaccurate addresses listed above from my credit file. 
XXXX. Proper verification or deletion of the XXXXXXXX XXXX XXXX XXXXXXXX, XXXX accounts, in accordance with the FCRA. 
XXXX. A full review and update of the bankruptcy public record, including accurate chapter, discharge status, and dates. 
XXXX. Provide documentation of the reinvestigation results and verification of all reported items. 
Conclusion : The continued inclusion of these errors has caused serious harm to my credit standing and affected my ability to access financial opportunities. These reporting errors violate my rights under the Fair Credit Reporting Act, and I am formally requesting CFPB assistance to ensure my report is accurate, verifiable, and compliant with 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