Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
Subject : Complaint Regarding Unresolved Credit Report Disputes and Bankruptcy Reporting Dear CFPB, I am writing to file a formal complaint against [ Credit Bureau Name ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that inaccurate information must be corrected or deleted after a proper investigation. These inaccuracies, along with an issue with bankruptcy reporting, are damaging my credit profile, and I seek your assistance to ensure these issues are addressed.

Disputed Items : XXXX XXXX ( Account # : XXXX ) ** Inaccuracy : The account has been reported as " charged off, '' yet the balance is reported as {$140.00}, and the payment status is " Collection/Chargeoff. '' The account was closed with no verified balance, and I have made payments that should be reflected correctly. 
Violation : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) The credit bureau failed to conduct a reasonable investigation into the account 's balance and payment history. The data is incomplete and inaccurate as it reports " charged off '' without proper validation of payments and status.

Requested Action : I request the immediate deletion of this inaccurate and unverifiable account. 
XXXX XXXX  ( Original Creditor : XXXX XXXX, Account # : XXXX ) ** Inaccuracy : The account is reported as a collection account with a balance of {$1500.00}. The status is " Collection/Chargeoff, '' but I have never been notified of this account 's transfer or received proper documentation of the debt. 
Violation : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) The credit bureau has failed to verify the collection status properly and report complete information, including full documentation of the debts transfer and origin. The account is being reported inaccurately without appropriate proof of collection.

Requested Action : I request the removal of this account from my credit report due to failure to properly verify its legitimacy. 
XXXX XXXX ( Account # : XXXX ) ** Inaccuracy : This revolving credit account is reported as charged off with a balance of {$510.00}, and the payment status is " Collection/Chargeoff. '' However, I have never been notified that the account was charged off, and I dispute the legitimacy of the charge-off and balance. 
Violation : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) This account has not been investigated with sufficient evidence of the charge-off status and the validity of the balance reported. This violates the duty of credit bureaus to report accurate and complete information.

Requested Action : I request that this account be immediately removed or corrected, as it is inaccurately reported. 
Bankruptcy ( XXXX  XXXX, Date Filed : XX/XX/year>, Court : U.S. Bankruptcy Court ) Inaccuracy : The bankruptcy is being reported on my credit report despite it being discharged and properly recorded in the court system. The report does not accurately reflect the status of the bankruptcy as discharged, and it continues to be listed in a way that may imply it is still active. 
Violation : 15 U.S. Code 1681e ( b ) Credit reporting agencies are required to maintain maximum accuracy in reporting. The continued reporting of this bankruptcy after discharge violates this provision by inaccurately reflecting the bankruptcys status, potentially harming my creditworthiness.

Requested Action : I request the correction of this bankruptcy record to ensure that it reflects its discharged status accurately, and if the bankruptcy is inaccurately reported, I request its immediate removal.

Proof of Bankruptcy Court 's Non-Reporting Practices : It is important to note that the bankruptcy court does not furnish data or directly report any information to third-party credit reporting agencies. According to the U.S. Bankruptcy Court guidelines and practices, it is prohibited for the court to transmit data about bankruptcy proceedings to credit reporting agencies or any third-party. The court only provides official records and filings to individuals or entities who request them, and any information related to the bankruptcy is not directly furnished to any credit bureaus. Therefore, the continued reporting of this bankruptcy is not only inaccurate but also a violation of the FCRA 's mandates for maximum accuracy in credit reporting. The credit bureaus are failing in their duty to ensure the accuracy and completeness of the information they report under 15 U.S. Code 1681e ( b ).

I have previously disputed these items with [ Credit Bureau Name ], but despite my efforts, they have not provided any satisfactory verification or evidence supporting their reporting. The continued reporting of these inaccurate items without proper investigation violates my rights under 15 U.S. Code 1681i, which ensures that consumers have the right to dispute inaccuracies and that credit reporting agencies must investigate disputed information within a reasonable time frame and report only accurate, complete, and verifiable information.

I request the CFPBs assistance in ensuring these matters are thoroughly investigated, and the credit bureau complies with the Fair Credit Reporting Act ( FCRA ). If the disputed items can not be verified, they should be immediately removed from my credit report. 

Thank you for your prompt attention to this matter. 

I provide a letter from the courts that explain this a violation and should be removed immediately

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