Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the inaccurate and unverifiable account information appearing on my credit report, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). The following account is erroneous and must be immediately removed from my credit file : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Incorrectly Reported as Charged-Off Recent Balance : {$7800.00} ( Incorrectly Written Off ) High Balance : {$7800.00} ( Potentially Inflated/Incorrect Credit Limit Reported at {$7100.00} ) Date Opened : XX/XX/XXXX ( Disputed Accuracy of Date ) Date of Status : XX/XX/XXXX ( Inconsistent with Payment History ) On Record Until : XX/XX/XXXX ( Potentially Incorrect Reporting Duration ) HIGHLIGHTED INACCURACIES & VIOLATIONS XXXX. Inconsistent Payment History & Reporting Errors : The account history shows multiple past due dates in XXXX and XXXX, despite previously being reported as current. 
The account was charged off in XX/XX/XXXX, yet it still shows multiple delinquency periods before and after this date, which contradicts standard charge-off reporting practices. 
If the charge-off occurred in XX/XX/XXXX, why are late payments listed for XX/XX/XXXX, XX/XX/XXXX, and prior months? 
XXXX. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), Experian is required to follow procedures to ensure maximum possible accuracy of all information reported. 
Since this account contains conflicting and inaccurate details, Experian is in direct violation of this statute. 
XXXX. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) Failure to Delete Unverifiable Information : Under 15 U.S.C. 1681i ( a ) ( 5 ), Experian must delete any information that can not be verified. 
There is no documented evidence proving the legitimacy of this charge-off or the balance accuracy. 
If Experian can not obtain proper verification from XXXX XXXX XXXX XXXX, the account must be removed immediately. 
XXXX. Violation of 15 U.S.C. 1681a ( 1 ) ( A ) Failure to Report Fair and Accurate Information : The continued reporting of inaccurate and inconsistent payment history is a direct violation of my consumer rights. 
The reported balance conflicts with the original credit limit, further questioning the legitimacy of the data. 
DEMAND FOR IMMEDIATE REMOVAL Due to these clear violations of federal law, I am demanding the immediate and permanent removal of this account from my credit file. 
If Experian continues to report this disputed account without verifiable documentation, I will escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) Legal Counsel for Willful Noncompliance I expect a written confirmation within 30 days that this account has been removed. Failure to comply will result in formal complaints and potential legal recourse. 
Under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with the results of your reinvestigation in writing, along with a revised credit report reflecting the deletion of this account. 
This is FINAL NOTICE before I take legal action. 
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