Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because TransUnion, Equifax, and Experian are reporting multiple inaccurate, outdated, and misleading entries on my credit reports despite my formal written disputes. These errors are directly interfering with my ability to obtain housing and place me at immediate risk of homelessness by XX/XX/year>. 
I submitted detailed disputes including supporting documents on or around XX/XX/year>, requesting the removal or correction of the following items : - XXXX Account # XXXX : This should be removed unless full debt validation and chain of title are provided under 15 U.S.C. 1692g and 1681c. 
- XXXX XXXX : Unverified and not acknowledged by me. Requires full validation under 15 U.S.C. 1692g. 
- XXXX XXXX : A charge-off older than XXXX years with a {$0.00} balance ; must be removed as outdated per 15 U.S.C. 1681c.

- XXXX XXXX  : Reported as a charge-off but lacks proper payment history, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX  Account # XXXX : This account is reporting as a charge-off with a balance of {$160.00} on a {$300.00} limit, but no payment history is provided, making it incomplete and misleading under 15 U.S.C. 1681e ( b ). If XXXX XXXX XXXXXXXX can not produce full records to substantiate this tradeline including payment history and charge-off rationale it must be immediately removed pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 
- All incorrect name variations and outdated addresses should be removed, including : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Only the legal name XXXX XXXX and current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) should appear. 
I further request : - That all parties involved cease and desist further collection-related communication under 15 U.S.C. 1692c.

- That all reported late payments be removed unless internal records are produced to substantiate them, as required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1666b.

- That all non-public and irrelevant personal data be permanently removed under 15 U.S.C.

6802.

This complaint demands : - Full reinvestigation under FCRA 1681i and expedited handling under 611 ( f ) due to the urgent housing threat.

- That any unverifiable or outdated item be removed immediately.

- That the bureaus notify any third parties who received inaccurate information in the past six months. 
- That no derogatory item be reinserted without advance notice per 1681i ( a ) ( 5 ) ( B ).

- That all hard inquiries not related to any currently open or approved accounts be permanently removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a hard inquiry requires a permissible purpose and explicit consumer authorization. If any listed inquirers can not prove a valid authorization or permissible purpose, these entries must be permanently deleted under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). I reserve all rights under 15 U.S.C. 1681n and 1681o to seek damages for negligent or willful noncompliance if these inquiries remain after proper notice.

If this matter is not resolved promptly and lawfully, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n for willful noncompliance and damages.

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