Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Experian for failing to address repeated inaccuracies in my credit report. Despite my efforts to dispute these issues, Experian has not acted in accordance with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Summary of Complaints The issues pertain to the reporting of two accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inaccuracies in these accounts are outlined below : XXXX. XXXX XXXX XXXX XXXX  Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Status : Charge-Off Date Opened : XX/XX/XXXX Charge-Off Balance : {$8300.00} Past Due Amount : {$3200.00} Status Updated : XX/XX/XXXX Issues Identified : Contradictory Reporting of Status : The account is marked as " Never Late '' while simultaneously reported as a " Charge-Off. '' These two statuses are inherently inconsistent and misleading. 
Repeated Charge-Off Reporting : The same charge-off event has been reported monthly from XXXX through XXXX, giving the appearance of recurring delinquencies. This violates FCRA requirements for accurate and non-misleading reporting. 
Discrepancy in XXXX XXXX : The report states {$8300.00} was written off and {$3200.00} is past due, but these figures do not align or explain the outstanding balance. 
XXXX. XXXX XXXX Account XXXX : Creditor Name : XXXX XXXX  Account Type : Auto Loan Date Opened : XX/XX/XXXX Original Balance : {$30000.00} Charge-Off Balance : {$9900.00} Past Due Amount : {$9600.00} Status Updated : XX/XX/XXXX Issues Identified : Incorrect Reporting of Past-Due Amount Post-Charge-Off : The account reflects both a charge-off balance of {$9900.00} and a past-due amount of {$9600.00}. Under FCRA, once an account is charged off, it should not simultaneously accrue a past-due balance unless actively in collections, which this account is not. 
Erratic Payment History Reporting : The payment history alternates between 30, 60, and 90 days late without logical progression, particularly during XXXX. FCRA mandates accurate and complete reporting, which this does not fulfill. 
Questionable Charge-Off and Reporting Dates : The status was updated to " Charge-Off '' in XX/XX/XXXX. If the first delinquency occurred prior to this, the account may be reported beyond the XXXX statutory limit. 
Incomplete Account Terms : The account lists " 72 months '' as the term but omits critical details, such as monthly payment amounts, impeding accurate verification. 
Supporting Case Reference : The recent ruling in CFPB XXXX Experian Information Solutions XXXX Inc. underscores a pattern of noncompliance by Experian in maintaining accurate and complete credit information. My experience mirrors these practices, particularly their failure to resolve disputes within the required 30-day window and verify reported information. 

Requested Resolutions : Verification and Correction of Both Accounts : I request Experian to verify the accuracy of the balances, statuses, payment histories, and delinquency dates for both the XXXX XXXX XXXX XXXX and XXXX Auto accounts. 
Removal of Unverified Information : If Experian can not verify the disputed information, I request immediate removal of these accounts from my credit report as required under the FCRA. 
Accountability for Noncompliance : I urge the CFPB to hold Experian accountable for their failure to comply with FCRA requirements and ensure future compliance to prevent similar violations. 
Further Action Requested : I respectfully request the CFPB to : Require Experian to promptly investigate the discrepancies and provide documentation supporting their reporting. 
Oversee correction or removal of any erroneous information. 
Ensure Experian adheres to its obligations under the FCRA. 
Thank you for your time and attention to this matter. Should you need additional information or documentation, I am happy to provide it promptly. I look forward to your assistance in resolving this issue efficiently.

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