Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
this is a formal complaint against XXXXXXXX XXXX regarding the continued and unlawful negative reporting of a charged-off and fully paid account on my credit report. Despite the account having been satisfied in full, XXXXXXXX XXXX continues to report it as derogatory, causing significant damage to my creditworthiness and personal finances. I have previously attempted to resolve this matter amicably, but my good-faith efforts have been ignored. 

Background of the Account The account in question, reported by XXXX XXXX was : Charged off and written off, yet Fully satisfied through payment and settlement. 
Despite this, it is still being reported as a negative account, which is false, misleading, and harmful. 

Violations of My Rights 1. 15 U.S.C. 1681s-2 ( b ) Fair Credit Reporting Act ( FCRA ) : Furnishers of credit data must report accurate and complete information. Continuing to report a satisfied, charged-off account as delinquent violates this statute. This is false and misleading under federal law.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to maintain reasonable procedures to assure maximum accuracy. This has not been upheld, as this account is inaccurately reported.

3. UCC 3-305 Discharge of Obligations : Under the Uniform Commercial Code, once an obligation is paid, the debt is discharged. Continuing to report negatively violates my commercial and legal rights.

4. UCC 1-308 Reservation of Rights : I reserve all of my rights without prejudice and do not waive any defenses by communicating with any party related to this matter.

Damages Incurred Due to this false and negative reporting : I was denied financing for a home, I was unable to purchase a vehicle, My credit score has been unjustly harmed, And I have endured undue emotional and financial stress.

Demands for Resolution 1. Immediate Deletion with Prejudice : I demand this Discover Bank account be deleted with prejudice from all three major credit bureaus : Experian, Equifax, and TransUnion, due to inaccurate and unlawful reporting.

2. Monetary Relief and Compensation : I seek financial compensation for the missed economic opportunities ( home loan, auto loan ), wasted time, and the emotional and reputational damage caused by this false reporting.

3. Transparency and Accountability : I request full disclosure and verification of all XXXX XXXX  reporting activity related to this account, including the timeline of charge-off, payment, and post-payment activity. 

Conclusion XXXX XXXX  actions represent a clear violation of federal and commercial law, and I trust that the Consumer Financial Protection Bureau will treat this matter with the urgency and seriousness it deserves. I have attempted resolution previously, and now I demand justice, accountability, and restitution. 
Please notify me once this complaint is being reviewed, and contact me if additional documentation is needed.

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