Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
# CREDIT DISPUTE LETTER - DEMAND FOR DELETION XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX 
Account Number XXXX URGENT - LEGAL VIOLATIONS REQUIRING IMMEDIATE CORRECTION * * -- - CONSUMER INFORMATION XXXX XXXX Email : * * XXXX * * Address : * * XXXX XXXX XXXX XXXX XXXX, GA XXXX * * Account Type : * * Business Card Account -- - FORMAL DISPUTE AND DEMAND FOR DELETION I am writing to formally dispute multiple violations of federal consumer protection laws regarding the above-referenced account. Your reporting contains numerous inaccuracies, incomplete information, and potential legal violations that require immediate deletion from all credit reporting agencies. 

-- - IDENTIFIED VIOLATIONS AND LEGAL INFRACTIONS 1. * * FAIR CREDIT REPORTING ACT ( FCRA ) 623 ( a ) ( 1 ) ( A ) VIOLATION * * FURNISHER ACCURACY REQUIREMENTS * * Your account information contains * * unverifiable and potentially inaccurate data * * : - Account shows " charged off '' status yet continues reporting monthly balances - Inconsistent payment history coding ( CO entries in XXXX when account was charged off in XXXX ) - * * VIOLATION : * * XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information 2. * * FCRA 605 ( c ) - OBSOLETE INFORMATION VIOLATION * * CHARGE-OFF REPORTING BEYOND LEGAL LIMITS * * - Account charged off as of * * XX/XX/XXXX * * per your status - Continuing to report negative information on charged-off account - * * VIOLATION : * * 15 U.S.C. 1681c ( c ) - Accounts charged off can not be reported beyond 7 years from charge-off date 3. FCRA 623 ( a ) ( 2 ) - DUTY TO INVESTIGATE DISPUTES * * * * FAILURE TO MAINTAIN REASONABLE PROCEDURES * * - Inconsistent status updates ( Status Updated : XX/XX/XXXX, but Balance Updated : XX/XX/XXXX ) - * * VIOLATION : * * 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Failure to maintain reasonable procedures for accuracy 4. * * FCRA 623 ( a ) ( 1 ) ( B ) - COMPLETENESS VIOLATION * * * * INCOMPLETE ACCOUNT INFORMATION * * - Missing critical account information ( Terms field shows " - '' ) - Incomplete payment history data for XXXX - * * VIOLATION : * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) - Information must be complete # # # XXXX. * * BUSINESS ACCOUNT MISREPORTING * * * * COMMERCIAL vs. CONSUMER CREDIT VIOLATION * * - Business account being reported on personal credit file - Potential violation of business credit reporting requirements- * * LEGAL ISSUE : * * Improper mixing of business and personal credit obligations -- - SPECIFIC INACCURACIES REQUIRING DELETION XXXX. * * PAYMENT HISTORY INCONSISTENCIES * * - XXXX entries show " CO '' ( Charge Off ) in multiple months - Contradicts charge-off date and account status - * * UNVERIFIABLE DATA * * requiring deletion per FCRA 611 ( a ) ( 5 ) 2. * * BALANCE REPORTING ERRORS * * - Balance shows {$2000.00} on charged-off account - Balance history shows {$0.00} scheduled payments but continued balance reporting - * * MATHEMATICALLY IMPOSSIBLE * * - violates FCRA accuracy requirements 3. DATE INCONSISTENCIES * * - Status Updated : XX/XX/XXXX - Balance Updated : XX/XX/XXXX - Account charged off in XX/XX/XXXX - * * TIMELINE VIOLATIONS * * indicating systemic reporting errors -- - LEGAL DEMANDS AND REQUIRED ACTIONS IMMEDIATE REQUIREMENTS UNDER FCRA XXXX ( a ) ( XXXX ) : 1. * * COMPLETE DELETION * * of this account from all credit reporting agencies within * * 30 days * * 2. * * WRITTEN CONFIRMATION * * of deletion from all three major credit bureaus XXXX. * * CESSATION * * of all future reporting on this account XXXX. * * CORRECTION NOTICES * * sent to all entities that received inaccurate information in past 6 months FCRA 616 COMPLIANCE REQUIRED : - Provide * * detailed investigation results * * in writing - Include * * specific documentation * * supporting any continued reporting - Explain * * verification procedures * * used to confirm accuracy -- - # # LEGAL CONSEQUENCES OF NON-COMPLIANCE * * FAILURE TO COMPLY WILL RESULT IN : * * 1. * * FCRA 617 CIVIL LIABILITY * * - Up to {$1000.00} per violation + attorney fees 2. * * FCRA 621 CRIMINAL PENALTIES * * for willful non-compliance XXXX. * * STATE LAW VIOLATIONS * * under Georgia Fair Business Practices Act 4. * * REGULATORY COMPLAINTS * * to CFPB, FTC, and state banking authorities -- - # # VERIFICATION BURDEN Per * * FCRA 623 ( a ) ( 1 ) ( A ) * *, you must * * VERIFY THE ACCURACY * * of all reported information. Given the multiple inconsistencies and violations identified, this account information is * * UNVERIFIABLE * * and must be * * PERMANENTLY DELETED * *.

* * YOU CAN NOT VERIFY : * * - Contradictory payment history entries- Impossible balance calculations on charged-off account - Inconsistent status and date reporting - Business vs. personal account classification -- - REQUIRED RESPONSE I demand * * WRITTEN RESPONSE * * within * * 15 days * * containing : 1. * * COMPLETE DELETION * * confirmation from all credit bureaus 2. * * DETAILED EXPLANATION * * of investigation procedures used 3. * * DOCUMENTATION * * supporting any information you claim is accurate 4. * * COMPLIANCE STATEMENT * * acknowledging FCRA violations * * FAILURE TO RESPOND OR COMPLY WITHIN 15 DAYS WILL BE CONSIDERED WILLFUL VIOLATION OF FEDERAL LAW. * * -- - CERTIFICATION I certify under penalty of perjury that the information provided in this dispute is true and accurate to the best of my knowledge. I am requesting deletion based on your failure to comply with federal consumer protection laws. 

* * This dispute is made under the authority of : * * - Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) - Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) - Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) -- - * * Signature : * * XXXX XXXX * * * * Date : * * XX/XX/XXXX * This letter serves as formal notice of legal violations and demand for compliance with federal consumer protection laws. Retain this correspondence for legal proceedings if necessary. *

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