Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian responded to this compliant stating potential Fraud. 

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX XXXX To Whom It May Concern, I am filing this complaint because XXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). Account in question : XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX XXXX. XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ). Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file. This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 2. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA. For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX  to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA XXXX ( A ) and XXXX ( B ). Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA. 

ATTACHMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

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