Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit reports with XXXX, Experian, and XXXX  regarding the XXXX XXXX XXXX  ( XXXX ) Card Services account, Account # XXXX, listed as a revolving account with a balance of {$2200.00}, marked as Charged Off and Closed as of XX/XX/XXXX. I request a thorough investigation and the immediate deletion of this account from my credit reports due to inaccuracies and violations of federal law. Additionally, I am addressing this matter to XXXX XXXX XXXX as the furnisher of the information and to the Office of the Comptroller of the Currency ( OCC ) for oversight of compliance with applicable regulations.

Grounds for Dispute I dispute the accuracy of this account on the following grounds : 1. Inaccurate Reporting of Account Status and Balance : The account is reported as Charged Off with a past due balance of {$2200.00}, despite being closed. This reporting is misleading and fails to reflect the true status of the account. The FCRA, 15 U.S.C. 1681i ( a ) ( 1 ), requires credit reporting agencies ( CRAs ) to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers like XXXX are obligated to investigate and correct inaccurate information. The continued reporting of this account as charged off with an outstanding balance is inconsistent with its closed status and may misrepresent my creditworthiness.

2. Failure to Verify Debt : I have not received adequate documentation from XXXX XXXX XXXX to substantiate the validity of this debt, as required under the Fair Debt Consumer Protection Act ( FDCPA ), 15 U.S.C. 1692g. Without proper validation, the reporting of this account is unlawful.

3. Violation of Maximum Accuracy and Integrity : The FCRA, 15 U.S.C. 1681 ( a ) ( 1 ), mandates that CRAs maintain maximum possible accuracy in credit reporting. The discrepancies in the reported Date of Last Payment ( e.g., XX/XX/XXXX for XXXX  and Experian, but XX/XX/XXXX for XXXX  ) and inconsistent comments ( e.g., Canceled by Credit Grantor vs. Charged Off Account ) indicate a failure to meet this standard.

4. Statute of Limitations : Depending on the applicable state law, the statute of limitations for collecting this debt may have expired. For example, in many states, the statute of limitations for credit card debt is 36 years from the date of last payment ( XX/XX/XXXX ). If the debt is time-barred, its continued reporting as an enforceable obligation is misleading and violates FCRA standards .

5. Potential Double Reporting : The account appears to be reported with slight variations across bureaus ( e.g., differing Date of Last Active and comments ). This raises concerns about duplicate or inconsistent reporting, which violates FCRA regulations and could artificially inflate the negative impact on my credit score.

Relevant Laws and Regulations The following laws and regulations support my request for deletion : * Fair Credit Reporting Act ( FCRA ) : * 15 U.S.C. 1681i ( a ) ( 1 ) : Requires CRAs to conduct a reasonable investigation of disputed information and delete or correct inaccurate data within 30 days.

* 15 U.S.C. 1681e ( b ) : Mandates that CRAs follow reasonable procedures to assure maximum possible accuracy.

* 15 U.S.C. 1681s-2 ( b ) : Obligates furnishers to investigate disputes and correct inaccurate information reported to CRAs.

* Fair Debt Consumer Protection Act ( FDCPA ) : * 15 U.S.C. 1692g : Requires debt collectors to validate debts upon request. Failure to provide validation renders the debt unenforceable and its reporting potentially unlawful.

* Consumer Financial Protection Bureau ( CFPB ) Guidelines : The CFPBs supervisory authority over credit reporting emphasizes that CRAs and furnishers must ensure accurate reporting and promptly correct errors ( CFPB Bulletin 2013-09 ).

* OCC Regulations : As a national bank, JPMCB is subject to OCC oversight under 12 C.F.R. 7.4008, which prohibits unfair or deceptive practices, including inaccurate credit reporting.

Case Studies and Precedents The following legal precedents support my dispute : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that furnishers must conduct a reasonable investigation into disputed credit information under 15 U.S.C. 1681s-2 ( b ). Failure to correct inaccurate reporting after a dispute constitutes a violation of the FCRA. 
XXXX. XXXX v. XXXX & XXXX, XXXX ( XXXX Cir. XXXX ) : The court ruled that furnishers must verify the accuracy of reported information and can not rely solely on internal records without proper investigation. 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX. XXXX. XXXX ) : This case established that continued reporting of unverified or inaccurate debts violates the FCRA and FDCPA, warranting removal from credit reports.

Requested Actions Under the FCRA, I request that XXXX, Experian, and XXXX  : 1. Conduct a thorough investigation of the disputed account ( Account # XXXX ) as required by 15 U.S.C. 1681i ( a ) ( 1 ).

2. Delete this account from my credit reports due to its inaccuracies and lack of verification.

3. Provide me with an updated credit report reflecting the deletion of this account within XXXX XXXX, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). 
I request that XXXX XXXX Services : 1. Investigate the accuracy of the reported information under 15 U.S.C. 1681s-2 ( b ).

2. Cease reporting this account to all CRAs and confirm its deletion.

3. Provide written confirmation of the debts status, including any validation documents, as required by the FDCPA.

I request that the OCC : 1. Investigate JPMCBs compliance with federal regulations regarding accurate credit reporting. 
XXXX. Ensure that XXXX corrects any violations and ceases reporting inaccurate information. 

Consequences of Non-Compliance Failure to comply with this request within the XXXX period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) may result in legal action for violations of the FCRA, FDCPA, and other applicable laws. I am entitled to damages for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, and attorneys fees. " Without Prejudice UCC 1-308

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