Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
Personal Information for EXPERIAN NAME XXXX XXXXXXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX, TX XXXX My only address is XXXX XXXX XXXX XXXXXXXX, TX XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Balance {$2400.00} XXXX hereby assert that no late payments have ever been reported on this account. Furthermore, all information related to this account remains unverified. I strongly urge your company to review and adhere to the guidelines established under the Fair Credit Reporting Act ( FCRA ). If the unverifiable claims regarding this account are not removed promptly, I will have no choice but to pursue legal action for non-compliance with federal consumer protection laws. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Balance {$2400.00} It is critical to emphasize that there have been no late payments reported on this account, and any such reports are unverified. The Fair Credit Reporting Act protect consumers from inaccurate reporting, and I expect your full compliance with these laws. Should this account 's inaccurate information not be rectified immediately, I will pursue all legal remedies available under the law. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$710.00} Please be advised that this account has not had any late payments, and any reports to the contrary are unverified. I remind you that under the Fair Credit Reporting Act ( FCRA ), your company is obligated to report accurate and verifiable information. Failure to remove these unverified and potentially misleading entries will result in legal action in accordance with consumer protection laws. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$32000.00} This account has never experienced a late payment, and the claims associated with it are unverified. Under the FCRA, reporting such inaccurate information is a violation of my rights. You are also required to adhere to prevent harassment or improper reporting. Failure to comply will lead to legal action. 
XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Balance {$5100.00} This account has no history of late payments, and any such claims are unverified. I expect full compliance with the FCRA, which mandates that only accurate and verified information be reported. Non-removal of this unverified data will prompt legal action against your company for failing to adhere to consumer protection standards. 
XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Balance {$2100.00} There have been no late payments on this account, and the current reports on this account remain unverified. Under the Fair Credit Reporting Act ( FCRA ), you are required to remove unverified or inaccurate information. Should you fail to correct this, I will pursue legal action based on your failure to comply with federal consumer protection laws. 
XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX XXXX Balance {$130.00} It is essential that your company adheres to the FCRA, as no late payments have occurred on this account. The entries regarding this account are unverified, and I demand immediate rectification of these inaccuracies. If this information is not promptly corrected, legal action will be pursued in line with the protections offered by the FCRA. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$9700.00} This account was fully paid to the original creditor, and I have no contractual relationship with this company. The actions of this company in attempting to collect on this account are a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect a debt that is not owed. I demand that all information related to this collection account be removed immediately. If this matter is not rectified, I will pursue legal action for violations of the FDCPA. 
BANKRUPTCY XXXX XXXX  DISCHARGED FILED ON XX/XX/XXXX REFERENCE NUMBER XXXX COURT : XXXX XXXX XXXX XXXX XXXX  As a result, the debts included in this bankruptcy are no longer valid or enforceable. Any attempt by a creditor or debt collector to report or collect on these discharged debts is in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code. Section 1681s-2 of the FCRA holds data furnishers accountable for reporting inaccurate or incomplete information. The continued reporting of this discharged debt is in direct violation of this provision. Under 15 U.S.C. 1692e ( 5 ), it is unlawful for debt collectors to make any threat to take legal action on a debt that is no longer legally owed, such as one that was discharged in bankruptcy. Collecting on this debt, or even attempting to collect it, is an automatic violation of the FDCPA.

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