Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this letter to formally dispute several inaccurate items on my credit report. Despite multiple attempts to correct these issues, they remain unresolved. These inaccuracies have caused serious harm to my credit profile and have prevented me from completing a significant financial transaction.

Please see the following disputes : 1. Inaccurate Personal Information My credit file incorrectly lists XXXX XXXX as an alias or previously used name. 
This is not and has never been my name. 
Please remove any association with the name XXXX XXXX from my credit profile. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX and XXXX These accounts are current and in good standing, yet have not been updated since XX/XX/year>. 
According to both my XXXX and XXXX statements, and information provided by the creditor, updates were sent on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but this information is not reflected in my credit report. 
Requested correction : Update both accounts to show current and accurate status. 

XXXX. XXXX Credit Card This account is being incorrectly reported as closed. 
It is in fact open, current, and has never been late. 
Requested correction : Update to reflect that the account is open and in good standing. 

XXXX. XXXX XXXX This account is reported as closed due to charge-off or default, but it was included in my Chapter XXXX bankruptcy. 
Requested correction : Update to show Included in Bankruptcy XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX This account is also being reported as charged off, but it was included in my Chapter XXXX bankruptcy. 
Requested correction : Update to reflect inclusion in bankruptcy. 

XXXX. Bankruptcy XXXX XXXX XXXX XXXX bankruptcy is inaccurately reported as dismissed. 
It was paid in full and should be marked as closed, not dismissed. While it was not formally discharged, reporting it as dismissed misrepresents the actual outcome and negatively impacts my credit standing.

Requested correction : Update status to Closed Paid in Full ( not discharged ). 

Documentation Attached : XXXX XXXX XXXX XXXXXXXX and XX/XX/year> Statements Bankruptcy filing and payment records Identification documents ( for personal info correction ) Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of each item listed above. Please provide me with written confirmation of the results and any actions taken within 30 days of receipt of this letter. 

Additionally, due to these inaccuracies, I was denied credit in both XXXX and XX/XX/year>, resulting in XXXX hard inquiries on my credit file. These denials were based on false or outdated information, including misreported account statuses and an incorrectly dismissed bankruptcy. As part of a fair resolution, I am requesting that any inquiries resulting from these denials be removed or reclassified as soft inquiries and that my credit file reflect the true and corrected information.

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