Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
Whom It May Concern, I am writing to formally dispute multiple inaccurate, duplicate, and misleading entries on my credit report. These errors have caused significant harm to my creditworthiness and financial standing. Despite my attempts to correct these inaccuracies through credit bureaus and creditors, the issues remain unresolved, prompting me to file this complaint with the CFPB. 
Below are the disputed accounts and associated issues, along with their account numbers for precise identification : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Status : Incorrectly reported as Charge-Off Issue : The account is inaccurately reported as charged off. This misrepresentation violates the FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate and inaccurate reporting. The account status and balance have not been verified properly as required by FCRA 1681i ( dispute investigation procedures ). 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Reporting outdated and inaccurate information beyond permissible time frame under FCRA 1681c ( time limits on reporting derogatory information ). 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate accounts reported, violating FCRA 1681e ( b ). Failure to maintain accurate records as mandated by the law. 
XXXX. XXXX ( XXXX accounts ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$4500.00} and {$6000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate accounts and incorrect balances reported. This misleads creditors and harms my credit score, violating FCRA 1681i and FDCPA 1692e ( false or misleading representations by debt collectors ). 
XXXX. XXXX ( Two accounts ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$6000.00} and {$4500.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Same as above duplicated and inaccurate account details with failure to verify and investigate disputes as required under FCRA XXXX. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Account status inaccurately reported, damaging credit standing, violating FCRA XXXX XXXX b ). 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Incorrect balance and reporting errors violations of FCRA 1681i dispute procedures. 
XXXXXXXX XXXX XXXX XXXX ( Multiple accounts ) Account # : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  High Balances : {$850.00} and {$710.00} Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Charge-Off and Collection Issue : Duplicate accounts, inconsistent reporting, and inaccurate balances reported violating FCRA 1681e ( b ), 1681i and FDCPA. 
XXXX. XXXX XXXX XXXX / XXXX ( XXXX accounts ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balances : {$530.00} Dates Opened : XX/XX/XXXX and XX/XX/XXXX Status : Charge-Off Issue : Duplicate accounts and inaccurate information reported ; violations of FCRA 1681i. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  High Balance : {$390.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Account inaccurately reported, violating FCRA 1681e ( b ). 
XXXX. XXXX  Account # : XXXXXXXX XXXX High Balance : {$84000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Incorrect reporting of charge-off and balance ; failure to verify information as required under FCRA XXXX. 
XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$800.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate and inaccurate reporting ; violates FCRA 1681e ( b ) and FDCPA 1692e. 
XXXX. XXXX XXXX & XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Account status inaccurately reported ; violates FCRA 1681i. 
Additional Issues : Multiple inaccurate and duplicate addresses reported on my credit file, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccurate addresses are causing identity confusion, potential fraud risk, and credit denials. Per FCRA 1681e ( b ) and 1681i, credit reporting agencies must maintain accurate and complete personal identifying information, including addresses.

Legal Basis for Complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Requires credit reporting agencies to maintain accurate information, investigate disputes promptly, and correct or delete inaccurate or unverifiable information. 
FCRA 1681i : Mandates reinvestigation of disputed information within 30 days.

FCRA 1681e ( b ) : Requires maximum possible accuracy in reporting.

FCRA 1681c : Limits the reporting time for adverse information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Prohibits debt collectors from using false, deceptive, or misleading representations.

Requested Remedies : 1. Immediate investigation and correction or deletion of all inaccurate, duplicate, and unverifiable accounts. 
2. Removal or correction of all incorrect addresses associated with my credit profile.

3. Confirmation that these corrections have been communicated to all credit reporting agencies and furnishers.

4. Assurance that no further inaccurate reporting will occur.

5. A written confirmation of the actions taken to correct my credit report.

I expect your prompt attention to this matter in accordance with federal law. Continued inaccuracies constitute violations of my rights and harm my financial wellbeing. 
Thank you for your immediate assistance.

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