Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Services LLC, with relevant details also applying to Equifax and TransUnion, due to the continued reporting of materially inaccurate, misleading, and unverifiable credit information. The issues include misclassified tradelines, improper derogatory updates post-account closure, failure to account for military service obligations, unresolved disputes, and reporting of outdated or incorrect personal identifying information.

These issues collectively violate provisions of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, the Servicemembers Civil Relief Act ( SCRA ), and the Texas Business & Commerce Code 20.0620.12. 

XXXX / XXXX XXXX : This account was closed on XX/XX/XXXX. However, Experian and the other CRAs continue to update the tradeline monthly with Charge-Off status entries well into 2025. This creates a false impression of current delinquency and violates FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681i ( a ) ( 7 ), as well as CFPB Bulletin 2014-01. Metro 2 reporting guidelines prohibit post-closure charge-off updates. The furnisher, XXXX Bank, has a documented history of CFPB enforcement actions, including a {$3.00} XXXX penalty for inaccurate and deceptive reporting. This account should be permanently deleted and suppressed. 

XXXX XXXXXXXX ( XXXX Account ) : This account is marked as potentially negative despite no current derogatory activity visible. I was on active duty in the U.S. Army at the time of the reported delinquency, specifically undergoing Basic Combat Training at Fort Jackson, South Carolina. During this period, I had no access to communication or financial tools. I brought the account current immediately upon graduation. Under the Servicemembers Civil Relief Act ( SCRA ), FCRA 1681e ( b ), and the Equal Credit Opportunity Act ( ECOA ), I respectfully request that this account be recoded or suppressed in recognition of military service-related hardship. 

XXXX XXXX : This account reflects a 30-day delinquency from XX/XX/XXXX, which was previously disputed. No documentation or Method of Verification was ever provided, as required under FCRA 1681i ( a ) ( 7 ). I request either verified documentation or removal of this entry.

Personal Information : My credit file contains multiple conflicting names ( e.g., XXXX XXXX, XXXX XXXX XXXX ), outdated military and civilian addresses, and inaccurate employment records ( e.g., " XXXX XXXX XXXX '' ). These errors create risk of identity confusion and violate XXXX  XXXX ( b ) and Texas Business & Commerce Code 20.06. I request suppression or correction of all inaccurate or outdated identifiers.

Unauthorized or Improper Inquiries : My report includes several hard inquiries that may lack a permissible purpose under FCRA 604 ( a ), including entries from XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. I request these be removed unless verifiable authorization and purpose are provided. 

I am a 100 % permanently and XXXX  XXXX XXXX, and I am officially designated as homebound. I am trying my best to raise my small family on my fixed income from the VA. I have limited ability to advocate for myself physically or in person. I am not seeking confrontation, but resolution. These errors are obstructing my ability to access credit, stable housing, and programs such as USDA-backed rural housing initiatives. I am requesting lawful, fair corrections across all reporting agencies in accordance with the federal statutes cited above.

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