Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ], and bankruptcy protections under 11 U.S.C. 524 and related provisions. My credit reports contain a series of inaccurate, outdated, unverifiable, and misleading items that are causing significant harm to my financial standing, mental health, and credit opportunities.

Issue 1 : Incorrect Addresses Reported The following addresses have been inaccurately reported on my credit file. I have never lived at these locations and they should be removed immediately as they XXXX be associated with fraudulent or mixed files : XXXX XXXX XXXX, XXXX, MO XXXX Not my address XXXX XXXX XXXX, XXXX, MO XXXX Not my address XXXX XXXX XXXX XXXX XXXX, MO XXXX Not my address XXXX XXXX XXXX, XXXX, MO XXXX Not my address FCRA Violation : Per FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Issue 2 : Inaccurate, Unverified, and Potentially Illegal Reporting of Accounts Below are the credit accounts being reported with errors or violations : 1. XXXX XXXX  o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$540.00} o Issue : Illegally reported as a charge-off, no proper notice provided, and not verified. 
o Relevant Law : FCRA 1681i ( a ), FCRA 1681s-2 ( b ) 2. XXXX XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$380.00} o Issue : Reported as charged off, disputed previously, no proper validation. 
o Relevant Law : FDCPA 809 ( b ), FCRA 1681b ( a ) 3. CREDIT XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1100.00} o Issue : Multiple late payments reported despite payment history being disputed and unsupported by documents.

o Relevant Law : FCRA 1681e ( b ), FCRA 1681i 4. XXXX BANK XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o Issue : Charged off, no proper communication, possibly past statute of limitations, unverifiable. 
o Relevant Law : FDCPA 807 ( 8 ), FCRA 1681s-2 ( a ) Issue 3 : Bankruptcy Protection Not Being Honored Bankruptcy Reference Number : XXXX Court : XXXX Bankruptcy XXXX Issue : Some of the above accounts were XXXX in bankruptcy, yet continue to be reported with negative statuses ( e.g., charge-off, collection ), violating the permanent injunction of bankruptcy under 11 U.S.C. 524 ( a ) ( 2 ). 
Legal Violation : XXXX XXXX debts post-bankruptcy constitutes a violation of the discharge injunction and is misleading under the FCRA.

Relief Requested I request the following actions be taken immediately : 1. Permanent deletion of the incorrect addresses from all my credit reports.

2. Deletion or proper correction of the accounts listed above.

3. A full re-investigation and verification in compliance with FCRA 1681i.

4. Assurance that no re-insertion of the disputed information occurs without proper notice per FCRA 1681i ( a ) ( 5 ) ( B ).

5. Compliance with bankruptcy discharge laws by removing all accounts that were discharged. 
Conclusion These errors have caused and continue to cause serious harm to my creditworthiness, job prospects, and mental wellbeing. I have the right under federal law to a fair and accurate credit report, and I demand immediate investigation and correction of these violations. 
If this matter is not resolved within XXXX XXXX I reserve the right to pursue further legal action and damages under FCRA 1681n and 1681o.

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