Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccurate, unverifiable, and unauthorized entries on my credit report that have been previously disputed but remain unresolved in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and Metro 2 Compliance Standards. 

Despite submitting disputes to Experian, XXXX, and XXXX, as well as directly to creditors and collection agencies, these items have not been properly investigated, verified, or removed. Below is a breakdown of the specific issues, dispute history, and requested resolution. 

Unverified & Inaccurate Bankruptcies Reporting Chapter XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Court : U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX Issue : Some accounts included in bankruptcy still show a balance or derogatory status, which violates Metro 2 guidelines. 
Disputed Before? Yes, multiple times. 
Outcome? Credit bureaus failed to correct/update information accurately. 
Request : Ensure that all accounts included in this bankruptcy reflect a {$0.00} balance with Included in Bankruptcy status. 
XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : This bankruptcy was dismissed, meaning it does not hold the same legal effect as a discharge. However, it continues to be reported. 
Disputed Before? Yes. 
Outcome? Credit bureaus failed to remove the dismissed XXXX XXXX filing. 
Request : Immediate deletion of this bankruptcy record from my credit report, as a dismissed bankruptcy should not impact my credit history. 
2. Unverified & Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and have been disputed before without resolution. Under FCRA 1681b, companies must have written permission before pulling a credit report. 

Creditor Name Type of Business Date of Inquiry Credit Bureau Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Disputed Before? Yes. 
Outcome? Credit bureaus failed to remove these unauthorized inquiries. 
Request : Immediate deletion of all unauthorized hard inquiries unless verifiable written proof of authorization is provided. 
3. Inaccurate & Non-Compliant Charge-Offs/ Collection Accounts Several accounts are reporting incorrectly as charge-offs, collections, or past due despite being : Included in bankruptcy Sold or transferred ( which means the original creditor should no longer report them ) Creditor Name Account Number ( Last 4 ) Balance Status Issue XXXX XXXXXXXX {$1300.00} Charge-Off Balance should be {$0.00} or removed if unverified XXXX XXXX XXXX {$220.00} Collection Account was closed due to inactivity but still reports balance XXXX XXXXXXXX {$0.00} Charge-Off Transferred to another lender, should not report XXXX XXXX XXXXXXXX {$0.00} Derogatory Marked as " Dispute Resolved '' but was never properly verified XXXX XXXX XXXX {$0.00} Derogatory Should reflect " Included in Bankruptcy '' with {$0.00} balance Disputed Before? Yes. 
Outcome? Credit bureaus and creditors failed to remove or properly update these accounts. 
Request : Immediate deletion or correction of all inaccurate charge-offs and collection accounts.

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