Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : URGENT DISPUTE INACCURATE REPORTING OF XXXX ACCOUNT CHARGE-OFF Acct # XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the derogatory XXXX XXXX account reporting on my credit file under account number XXXX. After reviewing my credit reports, I have identified multiple factual errors and legal inconsistencies which constitute violations of the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. XXXX XXXX As such, I am demanding XXXX XXXX  immediate deletion XXXX XXXX of this account from all reporting agencies. 

Specific Factual Inaccuracies & Violations Identified : 1. Inaccurate High Credit Reporting : Experian is inaccurately reporting the high credit as {$0.00}, while TransUnion correctly lists it as {$7700.00}. This inconsistency creates a false representation of my credit usage and impacts my creditworthiness. 

XXXX. Continued Monthly Charge-Off Updates ( Re-Aging Violation ) : Your records show that this charge-off account is still being updated monthly as " CO '' ( Charge-Off ) all the way through XX/XX/XXXX, which is over XXXX years after the last payment date ( XX/XX/XXXX ) and last activity date ( XX/XX/XXXX - XX/XX/XXXX ). This is a violation of FCRA and the Fair Debt Collection Practices Act ( FDCPA ) * * as it artificially re-ages the debt and extends the derogatory impact beyond the allowed period. 

XXXX. Statute of Limitations Violation XXXX  Law : Based on XXXX XXXX statute of limitations on written contracts, this debt is past the legal period for collection enforcement. Continuing to report it as actively delinquent misleads lenders and violates 15 U.S. Code 1681e ( b ) failure to assure maximum possible accuracy.

4. Misleading Status Despite Closure : The account is marked as Charged Off, but the balance of {$7600.00} is still being reported with no collection resolution. This presents an XXXX XXXX incomplete and materially misleading snapshot XXXX XXXX of the account status, a violation of 15 U.S. Code 1681i ( a ). 

XXXX. Duplicate and Contradictory Information Between Bureaus : Reporting discrepancies between TransUnion and Experian constitute inconsistent and unverifiable data, which is grounds for deletion under FCRA 1681s-2 ( b ).

FCRA Violations Summary : 15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy 15 U.S.C. 1681i ( a ) Failure to correct or delete inaccurate/incomplete information 15 U.S.C. 1681c ( a ) ( 4 ) / ( 5 ) Reporting obsolete information beyond allowable periods 15 U.S.C. 1681s-2 ( b ) Failure to properly respond to dispute investigations Legal Notice and Remedy Demanded : Under * * FCRA 15 U.S.C. 1681n, a consumer may seek statutory damages up to {$1000.00} per violation, plus punitive damages and legal fees for willful noncompliance. If these errors are not corrected and the derogatory account deleted within 15 days, I will proceed with the following : * Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) * Submitting reports to the Federal Trade Commission ( FTC ) and XXXX Attorney General * Consulting legal counsel to initiate civil litigation for FCRA violations Resolution Demanded : XXXX. * * Delete the XXXX charge-off account in full * * from all credit bureaus ( XXXX Experian, and XXXX XXXX  XXXX 
XXXX. Provide written confirmation of deletion to the contact address above. 
XXXX. Cease all further monthly reporting of this charge-off account as it violates both state and federal law. 
Attachments : Copy of credit report screenshot Government-issued ID Proof of address

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