Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company XXXX, account number ; XXXX. This account was reported as a collection/ chargeoff and is affecting the score negatively. The reporting of this account is incorrect I still see a balance after it has been chargeoff. I am requesting your agency to reinvestigate and provide all the missing information. Also I would like for your agency to explain why there is a past due balance reporting while the report shows as a chargeoff?? 

I am sure your agency knows that this is a violation. I command the immediate deletion of this account to ensure that your agency is reporting full and only complete information on this account. 

I am also sure your agency knows that it is a violation to report income to a credit file. 

A charge off is a certificate of indebtedness, which is income and income can not be reported to a credit report...... requesting that your agency receives information of the 1099c the company has filed for this account, providing proof that this account has been written off as a loss. Your agency has allowed the reporting creditor to report inaccuracy to the credit file by re-opening the closed account on, XX/XX/XXXX, updating false information that it was open and written off and now as of, XXXX XXXX, your agency has allowed the reporting creditor to furnish more inaccuracy to the credit file advising that the account is now closed, charged off, with a past due balance. I command this account is deleted and the CFPB acknowledges this agencies malpractice. 

Company XXXX, account number, XXXX, I see that this account has a charge off status and yet there is a past due balance on the credit file, do you know that it is a violation? I command your agency to reinvestigate this account and ensure that correct, and complete reporting is given. The account status of this account is inaccurate delete this account due to multiple violations. 

As provided prior I am also sure your agency knows that it is a violation to report income to a credit file. A charge off is a certificate of indebtedness, which is income and income can not be reported to a report...... requesting that your agency receives information of the 1099c the company has filed for this account, providing proof that this account has been written off as a loss. Your agency has allowed the reporting creditor to report inaccuracy to the credit file by re-opening the closed account XX/XX/2024, updating false information that it was open and written off and now as of, XXXX XXXX your agency has allowed the reporting creditor to furnish more inaccuracy to the credit file advising that the account is now closed, charged off, with a past due balance. I command this account is deleted and the CFPB acknowledges this agencies malpractice. 

Your agency has been notified, pursuant to, 15 U.S.C 1681s-2, that account name ; Affirm, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information and 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. 

I have provided to your company that the information is wrong, and you have been notified. Keeping inaccurate info on my credit report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

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