Consumer complaint received 2025-06-24 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXXXXXX ( Charge-Off ) Dear Experian Dispute Department, I am formally disputing the accuracy of the information being reported on my Experian credit report regarding a charge-off account listed by XXXX XXXX XXXX. The information being reported is both inaccurate and misleading, and it appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Below are the reported account details and the issues I am disputing : Account Details : Creditor Name : XXXX XXXXXXXX XXXX Account Type : Note Loan Date Opened : XX/XX/XXXX Original Balance : {$270.00} Current Balance ( as of XX/XX/XXXX ) : {$330.00} Past Due Amount : {$330.00} Charged-Off Amount : {$270.00} Account Status : Charged Off Status Updated : XX/XX/XXXX Terms : 5 months On Record Until : XX/XX/XXXX Discrepancies & Disputed Items : XXXX. Incorrect Past Due Reporting After Charge-Off : The account was charged off in XX/XX/XXXX and shows a charged-off amount of {$270.00}. 

Yet, your reporting continues to show a past due amount of {$330.00} as of XX/XX/XXXX, which is inconsistent with charge-off reporting. 

FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information. A charged-off account should not continue to show growing or inconsistent past due balances years after the charge-off unless validated and legally permissible. 

2. Balance Higher Than Original Charged-Off Amount : The original balance is listed as {$270.00}, yet the current balance and past due amount is reported as {$330.00}. If {$270.00} was charged off, this indicates interest or fees have been added post-charge-off, which may not be permissible under the law, especially if not clearly disclosed or contractually agreed upon.

FCRA 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy the reported balance must be based on verifiable, accurate data.

3. Inconsistent Payment History / Missing Data : The payment history chart reflects ( no data reported ) for XX/XX/XXXX, which interrupts the continuity of the reporting. 

The presence of gaps or unreported months ( especially years after the charge-off ) is cause for concern and may result in a misleading depiction of account activity.

4. Status Update Date Conflicts : The account status shows updated in XX/XX/XXXX, but the balance and past due information continues to reflect activity through XX/XX/XXXX. 

This contradictory reporting creates confusion regarding the accounts status and whether it remains active or collectible. 

5. Potential Re-aging : Updating the balance in XX/XX/XXXX for an account that charged off in XX/XX/XXXX could suggest re-aging of the debt a practice which violates the FCRA and XXXX be illegal under the FDCPA if done to extend the time negative information remains on a credit report. 



Legal Support : Under the Fair Credit Reporting Act, you are required to : Ensure all information reported is accurate, complete, and not misleading FCRA 1681e ( b ).

Conduct a reasonable reinvestigation within 30 days of this dispute and correct or delete any inaccurate or unverifiable information FCRA 1681i ( a ). 

Cease reporting unverifiable information if the furnisher of information can not validate its accuracy. 



Resolution Requested : I am requesting that you : Investigate and verify the accuracy of this account in full. 

Provide me with documentation and a detailed explanation from the furnisher XXXX XXXX XXXX XXXX XXXX supporting the reporting of a balance greater than the charge-off, and continued past-due status post charge-off. 

If the account can not be verified as accurate and complete, I request that it be deleted from my Experian credit report. 



Please confirm receipt of this dispute and notify me in writing of the results of your reinvestigation. I also request that any updates be sent to any other consumer reporting agencies to which this account was reported. 



Enclosures ( if applicable ) : Copy of my ID Proof of current address Thank you for your time and attention to this matter. 



Sincerely, XXXX 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