Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXit MI 48XXXX Date XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint Regarding Charge-Off Reporting XXXX XXXX XXXX  Credit Card Dear CFPB Representative XXXX I am writing to formally file a complaint against XXXX XXXX XXXX regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Charge-Off DateXXXX Alleged Balance : {$700.00} I contacted XXXX XXXX XXXX and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. 
Laws Violated or Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, XXXX XXXX XXXX has not provided evidence to support the accuracy of this charge-off, despite my dispute. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If XXXX XXXX XXXX  or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response. 
3. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request XXXX XXXX XXXX  to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with XXXX XXXXXXXX XXXX and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, 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