Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against XXXX / XXXX XXXX Incorrect Charge-Off Reporting After Full Payoff To Whom It May Concern, I am filing this formal complaint against XXXX ( XXXXXXXX XXXX ) regarding the inaccurate and unlawful reporting of my former credit card account ( Account No. XXXX ) on my Experian credit file. According to Experian, XXXX is continuing to report this account as a XXXX {$3600.00} written off despite the fact that the account was fully paid and closed on XX/XX/XXXX. This continued derogatory reporting is false, misleading, and a direct violation of the FCRA and CFPB regulations. 

SUMMARY OF THE ISSUE The tradeline shows a charge-off even though the balance is {$0.00} and the account was paid in full. 

The creditor is reporting multiple derogatory statuses ( CO, XXXX/XXXX/XXXX lates ) on the same months, which is internally inconsistent with industry Metro-2 guidelines. 

XXXX reporting is factually inaccurate, incomplete, and misrepresents the final status of the account. 

This inaccurate derogatory mark is causing significant damage to my creditworthiness and lending profile. 

LEGAL VIOLATIONS 1. FCRA 602 ( A ) Accuracy & Fairness The FCRA mandates that consumer reports must be accurate, fair, and respectful of the consumers privacy. Reporting a charge-off on a fully paid account is neither accurate nor fair.

2. FCRA 607 ( B ) Requirement to Follow Reasonable Procedures for Accuracy XXXX failed to follow reasonable procedures to ensure accurate reporting. A charge-off status can not co-exist with a XXXX balance following payment in full. 

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Prohibition Against Reporting Inaccurate Information Furnishers may not report information they know or should know is inaccurate.

A fully paid account can not legally remain coded as a charge-off.

4. FCRA 611 Failure to Correct Inaccurate Information I previously disputed this with the credit bureaus. XXXX verified an obvious inaccuracy, constituting a failure to conduct a reasonable investigation. 

5. Metro-2 Industry Standard Violations The CRRG ( Credit Reporting Resource Guide ) clearly states : A paid collection/charge-off must update to Paid/Closed {$0.00} Balance The status must NOT remain as Charge-Off once payment is made Derogatory codes must not duplicate contradictory statuses XXXX is in direct violation of these industry-accepted standards. 

MY REQUEST TO THE CFPB I respectfully request that the Consumer Financial Protection Bureau : Investigate XXXX ( XXXX XXXX ) for continued reporting of false derogatory information. 

Compel XXXX to correct the tradeline to reflect : Paid, Closed, {$0.00} balance Removal of the charge-off designation Removal of any duplicate or contradictory derogatory codes Require XXXX  to provide documentation that supports their reporting, including : Charge-off ledger Payment application history Full accounting statements Metro-2 code justifications Require XXXX to update all CRAs ( Experian, XXXX XXXX ) with the corrected status .

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