Consumer complaint received 2025-05-01 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 not swayed that EXPERIAN has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditor. Make sure to explain the outcome of your investigation about this account with the following accounts XXXX XXXX XXXX opened XX/XX/XXXX This account is reporting multiple violations of the automatic stay and bankruptcy court. Remove immediately. 

XXXX XXXX XXXX Date opened XX/XX/XXXX This account is reporting multiple violations of the automatic stay and bankruptcy court. Remove immediately. 

XXXX XXXX Date opened XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately. 

XXXX XXXX XXXX Date opened XX/XX/XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the XXXX XXXX. Remove immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX The company listed is the loan servicer and not the note owner of the debt and therefore according to Truth in Lending Act and Real Estate Settlement a Procedures Act can not legally report this as a foreclosure. Please delete this immediately. 

XXXX XXXX DATE OPENED XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately. 

XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau, failure to provide accurate information should lead to immediate deletion on this item. 

XXXX XXXX XXXXXXXX dismissed Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau, failure to provide accurate information should lead to immediate deletion on this item. 

XXXX XXXX XXXX opened XX/XX/XXXX This account is reporting multiple violations of the automatic stay and bankruptcy court. Remove immediately. 

XXXX XXXX XXXX Date opened XX/XX/XXXX This account is reporting multiple violations of the automatic stay and bankruptcy court. Remove immediately. 

XXXX XXXX Date opened XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately. 

XXXX XXXX XXXX Date opened XX/XX/XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 

NR/SMS/CAL XXXX XXXX XXXX XX/XX/XXXX The company listed is the loan servicer and not the note owner of the debt and therefore according to Truth in Lending Act and Real Estate Settlement a Procedures Act can not legally report this as a foreclosure. Please delete this immediately. 

XXXX XXXX DATE OPENED XX/XX/XXXX This company is violating Bankruptcy Code and Court Orders! The way that it is listing is also a violation of the Automatic Stay. Remove immediately. 

XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau, failure to provide accurate information should lead to immediate deletion on this item. 

XXXX XXXX XXXX  dismissed Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau, failure to provide accurate information should lead to immediate deletion on this item.

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