Consumer complaint received 2025-05-31 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: MO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint concerning multiple inaccurate and damaging entries currently reported on my consumer credit reports. Despite the presence of a bankruptcy reference and repeated attempts to correct these errors, the following tradelines continue to reflect late payments, charge-offs, and collection statuses without lawful basis or sufficient verification : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; High Balance {$850.00} ; Late Payment XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$200.00} ; Late Payment XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$450.00} ; Late Payment XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; High Balance {$1100.00} ; Late Payment XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; High Balance {$730.00} ; Late Payment XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$390.00} ; Late Payment XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$200.00} ; Late Payment XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; High Balance {$27000.00} ; Charge XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; High Balance {$1300.00} ; Collection XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ; High Balance {$16000.00} ; Collection Bankruptcy Reference # XXXX U.S. Bankruptcy Court These accounts are being reported with derogatory remarks despite the initiation of a bankruptcy proceeding under U.S. Bankruptcy Court Reference # XXXX. According to 11 U.S.C. 524 ( a ), any debt discharged in bankruptcy should not be reported as delinquent, in collection, or charged off. Yet the above furnishers and the credit reporting agencies continue to misrepresent these accounts, in violation of both the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and bankruptcy protection laws.

Furthermore, under 15 U.S.C. 1681i ( a ), consumer reporting agencies are required to conduct timely and reasonable investigations of disputed information. The failure to correct these errors despite my disputes is a breach of this statutory duty. Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers must ensure that the information they report is accurate and complete. These repeated violations have caused adverse financial consequences, including credit denials and emotional distress.

Not only are these furnishers in violation of FCRA accuracy and reinvestigation obligations, but some accounts appear duplicated ( e.g., XXXX appears twice ), which inflates derogatory data and misleads lenders. The reporting of late payments and charge-offs post-bankruptcy is also in direct contradiction to the bankruptcy discharge injunction.

I am requesting immediate enforcement action and investigation by the CFPB. The disputed tradelines should be verified with full documentation or deleted as required under federal law. If not corrected or validated within ten ( 10 ) business days, I intend to seek relief through additional regulatory channels, including the FTC, my State Attorney General, and if necessary, federal court under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your attention to this matter and for upholding the rights of consumers against unlawful and damaging credit reporting practices.

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