Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting that the CFPB investigate and assist in removing an inaccurately reported account from my credit report. The account in question is a credit card reported as a charge-off by XXXX XXXX Loans under account number XXXX I previously disputed this account directly with the credit bureau and/or the creditor, but the investigation was not properly conducted as required under the Fair Credit Reporting Act ( FCRA ). No meaningful verification was provided, and the derogatory information continues to harm my credit profile.

The reported status is inaccurate and misleading. I am providing documentation to support my claim, and I believe this account should be removed entirely due to : Failure to conduct a reasonable investigation ( FCRA 611 ) Continued reporting of inaccurate or unverifiable information ( FCRA 605B if related to identity theft, or 623 if the furnisher is in violation ) Emotional and financial harm caused by the inaccurate reporting I respectfully request the CFPB review this issue, hold the data furnisher and credit bureaus accountable, and ensure that this account is deleted from my credit report.

In addition to the concerns mentioned, I have also identified discrepancies in the way this account is being reported across the major credit bureaus. Specifically, the date opened " date last active '' listed by Experian does not match the date reported by TransUnion, which raises serious concerns about the accuracy and integrity of the information being furnished. 

Date Opened : TransUnion Experian Equifax XX/XX/XXXX XX/XX/XXXX XXXX High Credit : TransUnion Experian Equifax {$2800.00} {$2800.00} {$1600.00} Credit Limit : TransUnion Experian Equifax {$1800.00} {$1800.00} {$0.00} Last Reported : TransUnion Experian Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Active : TransUnion Experian Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : TransUnion Experian Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX According to " Under the Fair Credit Reporting Act, particularly sections 607 ( b ) and 611, consumer reporting agencies and furnishers are legally required to ensure that all information reported is accurate, complete, and verifiable. Reporting inconsistent or unverifiable account detailssuch as differing date opened entries across bureausviolates this obligation. '' This inconsistency further demonstrates that the account is being reported with inaccurate and potentially unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. These conflicting dates call that into question.

Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, debt buyers and furnishers are required to notify and verify the debt properly.

Additionally, this account was sold or transferred to another company without my knowledge, consent, or proper notification. I was never informed of the sale or provided with any validation of the debt from the new owner. This lack of communication is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that consumers be notified and given the opportunity to dispute and validate the debt once it changes hands.

Because I was never given proper notice, I had no opportunity to verify the legitimacy of the debt or the new party claiming ownership. Continuing to report this debt without verification and transparency is misleading and unfair, and may also violate the Fair Credit Reporting Act ( FCRA ) requirements for data furnishers to report only accurate and verifiable information.

Due to the failure to follow proper legal procedures in the transfer and reporting of this debt, I am requesting that the account be deleted entirely from my credit report.

Given the failure to provide consistent, accurate, and verifiable information, I respectfully request that this account be deleted from my credit report in its entirety.

Due to the failure to perform a thorough and lawful investigation, I am requesting that this account be deleted from my credit report entirely. Continued reporting of this inaccurate and damaging information is causing significant harm to my credit profile and financial opportunities.

In Georgia, the statute of limitations for debt collection varies depending on the type of debt : Written Contracts ( e.g., personal loans, promissory notes ) : 6 years from the date of default. XXXX  XXXX XXXX XXXX XXXX Accounts ( e.g., credit card debt ) : XXXX  years from the date of default. Findlaw The statute of limitations begins when the account is charged-off due to missed payment. The last payment was XX/XX/XXXX so therefore the statute of limitations has expired. 

I respectfully request that the CFPB investigate this matter and ensure that the reporting agencies and data furnisher comply with their legal obligations under federal law. 

Thank you for your time and assistance. I am available for any further clarification or documentation needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

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