Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
( Subject : Second Formal Complaint XXXX XXXXXXXX Account Reporting Inaccuracy / Failure to Conduct Reasonable Reinvestigation and respond to request of method of investigation ) To Whom It May Concern, I am submitting this as a formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ) regarding the continued inaccurate and misleading reporting of a XXXX XXXX account ( ending in XXXX ) on my Experian credit report. 
This account was included in XXXX XXXX  bankruptcy filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. Despite being notified of the bankruptcy filing, XXXX XXXX has reported the account as charged off every month from XX/XX/XXXX through XX/XX/XXXX, including a {$5600.00} written-off balance, which remains visible in the Experian trade line to this day. 

1. Experians Previous Rejection of My Dispute filed on XXXX XXXX report # XXXX In response to my earlier dispute, Experian claimed that the information was verified by the data furnisherwithout providing any documentation or factual evidence to support this claim. Under FCRA 1681i ( a ) ( 1 ) ( A ), a CRA has an obligation to conduct a reasonable reinvestigation, and under 1681i ( a ) ( 5 ) ( A ), to delete any information that is found to be inaccurate or unverifiable. 
It is well-established in federal case law, including : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ... that a CRA may not simply rely on the word of the furnisher without conducting its own reasonable investigation into the dispute. Experians failure to request or provide any documentation from XXXX XXXX constitutes a negligent or willful violation of its statutory obligations. 

2. XXXX XXXX Own Acknowledgment Confirms Reporting Inaccuracy On XX/XX/XXXX, I received a letter from XXXX XXXXXXXX ( Case # XXXX ) which states : We correctly reported your XXXX XXXX bankruptcy as discharged. On XX/XX/XXXX, we reported your accounts current balance as {$0.00}. We will not be sending an update to the credit bureaus. 
This statement is contradicted by the actual Experian tradeline, which still reports the account as charged off with a {$5600.00} balanceand nowhere mentions the bankruptcy or bankruptcy status. The information appearing on my credit file is materially false, and repeated disputes have gone unresolved or improperly verified. 
I have submitted supporting documentation, including multiple letters sent to both Experian and XXXX XXXX. Ive even contacted XXXXXXXX XXXX  CEO. Experian continues to point to the furnisher, and XXXX XXXX deflects back to the CRA. This lack of accountability is unacceptable and unlawful. 

3. Final Legal Demand As this issue remains unresolved after extensive attempts, I am now demanding the following : Permanent deletion of the XXXX XXXXXXXX trade line ( account ending in XXXX ) from my Experian credit report ; Written confirmation that Experian has conducted a full reinvestigation and obtained supporting documentation ; A copy of any and all records provided by XXXX XXXXXXXX used in verifying the disputed account. 
If I do not receive a full and satisfactory resolution within 30 calendar days from the date of this letter, I will proceed as follows : File a civil lawsuit against XXXX XXXX in U.S. District Court for violations of the U.S. Bankruptcy Code and FCRA ; File for arbitration against Experian under the terms of your user agreement for violations of FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) ; Report this to the FTC, and state attorney general, citing refusal to correct clearly inaccurate trade line data after notice and documentation. Despite repeated written requests, XXXX XXXXXXXX has failed to honor my legal right under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ( 7 ) ) to receive the method of investigation used in response to my previous dispute. Their responsestating the account was accurate and verifiedprovides no documentation or explanation, which is required by law. 

Furthermore, XXXX XXXX has certified to all three major credit reporting agencies ( Experian, XXXX, and XXXX  ) that the reporting on this account is accurate. However, each CRA displays materially different account informationwith one showing a charge-off, another 's showing included in bankruptcy. 

If XXXX XXXX certified each version as accurate, I am now formally asking : Which CRAs version of this trade line did XXXX XXXX actually verify as accurate? They can not all be correctand this contradiction further proves the reporting is unreliable and in violation of FCRA standard. I have included all three CRA report in support of my claims. 

( Closing Statement ) Let me be clear : This is not a misunderstanding. It is a matter of federal law. I have exhausted every good-faith attempt to correct this issue and I am fully prepared to present my case before a judge and arbitrator. 
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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