Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding several persistent and inaccurate credit reporting issues that have severely impacted my financial standing and personal peace of mind. Despite my attempts to rectify these matters directly with the involved creditors and reporting agencies, these errors continue to appear on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which obligates accurate reporting of consumer information.

To outline the issues in detail : Incorrect Addresses on File XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX, XXXX, CA XXXX are both incorrectly listed on my credit file. These errors have caused confusion and misidentification in my credit history.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting the wrong addresses violates this requirement, creating potential risk for identity mismanagement and unjust denial of credit. 

Charge-Off Accounts XXXX XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX Charge-Off XXXX XXXX XXXX, High Balance : {$700.00}, Date Opened : XX/XX/XXXX Charge-Off These accounts are inaccurately reported as outstanding or delinquent. Reporting false charge-offs can materially harm a consumers creditworthiness and violates 15 U.S.C. 1681i ( a ), which mandates proper investigation and correction of disputed information. 

Bankruptcy Record XXXX Bankruptcy XXXX XXXX My bankruptcy filing is being misrepresented or misreported in conjunction with other accounts, creating further inaccuracies. The FCRA and relevant bankruptcy reporting laws require precise reflection of discharged debts, including accurate dates and balances. Failure to do so is misleading to lenders and harmful to my credit profile.

Narrative of Impact These errors have caused direct harm to my financial stability. I have been subjected to confusion with lenders, multiple account disputes, and unnecessary stress due to inaccurate reporting. Despite following all dispute procedures and providing necessary documentation, these inaccuracies persist. I am now forced to escalate this matter to the CFPB to ensure compliance with federal law. 

Requested Action I respectfully demand that the Consumer Financial Protection Bureau investigate these issues and instruct the reporting agencies and creditors to : Correct the incorrect addresses associated with my credit file. 

Verify and remove any inaccurate charge-off notations. 

Ensure my bankruptcy record is accurately reported according to court documents. 

Provide me with written confirmation once all corrections are completed. 

Failure to address these errors constitutes a direct violation of federal consumer protection laws, including the FCRA. I urge the CFPB to take immediate action to prevent further damage to my credit and to ensure the responsible parties are held accountable.

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