Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint regarding inaccurate credit reporting by Experian, which is negatively affecting my ability to move forward in life. After reviewing my recent credit report, I discovered several discrepancies that I believe need urgent attention. The following accounts are showing incorrect negative payment histories despite being discharged through my bankruptcy : Detailed Description of the Issue : XXXX XXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) : This account is showing 4 late payments, which should not be reported. The account was discharged as part of my XXXX  XXXX bankruptcy, and these negative marks do not reflect the true status of this debt. I have contacted Experian previously about this issue, but the negative payment history remains. 

XXXX  XXXX XXXX ( Account XXXX : XXXX ) : This account is showing 5 negative payments, which should be updated to 0. The debt was included in my bankruptcy discharge, and it should no longer show negative remarks. I have requested updates from Experian, but the report remains inaccurate. 

XXXX XXXX ( Account XXXX : XXXX ) : This account shows 2 late payments, which should be updated to 0. The debt was sold to another creditor and has now been double-reported with negative remarks. As the debt was discharged in bankruptcy, it should not appear on my credit report, and I have attempted to resolve this directly with Experian. 

XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX ) : This account is showing 29 late payments and includes payments reported up until XXXX, even though this card was only issued in XXXX. The debt was discharged as part of my bankruptcy, and the payment history should reflect that status, with any payments beyond the discharge date removed. 

These inaccurate entries are significantly affecting my personal life, including hindering my ability to secure a new car or find a rental apartment, as lenders and property managers are relying on these reports to assess my financial stability. I am also experiencing mental stress from the ongoing back-and-forth with Experian regarding the removal of these incorrect reports. 

Resolution Requested : Immediate Correction of Reporting : I request that Experian immediately update the accounts to reflect the accurate status of these debts, including : XXXX XXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) : Remove the 4 late payments and update the account to reflect the bankruptcy discharge. 

XXXX  XXXX XXXX ( Account XXXX : XXXX ) : Remove the 5 negative payments and update the account to 0. 

XXXX XXXX ( Account XXXX : XXXX ) : Remove the account from my report entirely and update it to reflect the bankruptcy discharge, as it is being double-reported. 

XXXX XXXX  XXXX XXXX ( Account Number : XXXX ) : Correct the late payments and remove any payments made after the account was discharged, reflecting the true status. 

Correction Across All Credit Bureaus : I request that Experian update the information across all three credit bureaus ( XXXX, Experian, and XXXX ) to ensure consistency in the reporting of my discharged debts. I expect accurate and up-to-date information to be reflected across all platforms. 

Confirmation of Updates : Once the corrections are made, I request written confirmation from both Experian and the involved creditors, verifying that the changes have been implemented and that my credit report now reflects the accurate status of the discharged debts.

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