Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, am writing to file a formal complaint regarding numerous significant inaccuracies and unlawful actions on my credit reports. These errors and violations are negatively affecting my creditworthiness and causing me undue stress and financial harm. I request immediate investigation and correction in compliance with federal law. 
1. Incorrect and Inconsistent Address Information The following addresses are incorrectly or inconsistently reported across my credit files : XXXX XXXX XXXX, XXXXXX/XX/XXXX Violation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer information. Reporting multiple conflicting addresses is a clear failure to meet this standard and is misleading to creditors and lenders. 
2. Employment Information Errors Employers are inaccurately listed or associated on my reports : First Priority Mortgage ( multiple entries ) Irrigation Medics Violation : Misreporting employment information can adversely affect my creditworthiness and violates FCRA 1681e ( b ) accuracy requirements.

3. Collections Listed in Error or Without Proper Validation I am being wrongly pursued by debt collectors for accounts I dispute : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Violation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of any debt. Failure to validate debts before reporting to credit bureaus or pursuing collection constitutes unlawful practices. 
4. Charge-Off Account with XXXX ( # XXXX ) This account has been reported as charged off inaccurately. I dispute the validity and request investigation. 
Violation : Again, FCRA 1681i requires investigation of disputed information, and inaccurate charge-offs violate this. Incorrect charge-offs severely damage credit scores and borrowing ability. 
5. Bankruptcy XXXX XXXX XXXX ( Reference Number : XXXX ) The bankruptcy record on file has inaccuracies and is not updated to reflect my full discharge status. 
Violation : Bankruptcy reporting must comply with the Bankruptcy Code and FCRA 1681c, ensuring accurate public record reporting. Misreporting discharged bankruptcies violates these protections and unfairly harms credit.

Request for Resolution : I demand that the credit bureaus and all reporting parties : Correct or remove all inaccurate addresses. 
Update or remove incorrect employment information. 
Validate and provide proof of any alleged debts before reporting or collection activity. 
Correct any invalid charge-offs immediately. 
Update bankruptcy status to reflect accurate discharge information. 
Failure to promptly investigate and correct these violations will leave me no choice but to pursue legal action for damages under FCRA and FDCPA provisions, including but not limited to 15 U.S.C. 1681n, 1681o ( liability for willful/negligent noncompliance ). 
I expect confirmation of receipt of this complaint and a full response within 30 days as required by law.

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