Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to dispute several charge-off entries reported on my credit report, which appear to be inaccurate or unsupported. Each of the following accounts, listed under the name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, shows a balance owed of {$0.00} and is marked as tied up, yet no further explanation or supporting documentation has been provided. This designation lacks clarity, and I believe the information reported may not reflect the true status of these accounts. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), I have the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. As such, I respectfully request that a thorough investigation be conducted into each of these entries to ensure they are accurate and properly supported. 
The first account in question is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account. This account shows a {$0.00} balance and is listed as " tied up, '' with no explanation or indication of what this status means. As per 15 U.S.C. 1681s-2, creditors must ensure that the information they report to the credit bureaus is accurate and complete. A charge-off is a serious notation that can significantly impact my credit score, yet there is no documentation or correspondence indicating why this account has been marked as such. The absence of specific details regarding the tied up status makes it impossible for me to understand the legitimacy of this entry. I request that the credit bureau contact the creditor directly to obtain an explanation of this charge-off and provide documentation verifying the status of this account. If no adequate documentation can be provided, I ask that this entry be removed from my credit report. 
In a similar vein, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account is also listed with a {$0.00} balance and the " tied up '' designation, yet no valid explanation has been provided for this charge-off. The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, grants consumers the right to dispute incorrect or incomplete information on their credit reports, and requires credit bureaus to conduct an investigation into such disputes. In this case, I have no record or supporting evidence of this account being charged off, and the ambiguous " tied up '' notation creates confusion about the actual status of this account. I request that the credit bureau reach out to the creditor to obtain a thorough explanation and any relevant documentation to verify whether this charge-off is justified. If there is no clear justification or documentation to substantiate the entry, I ask that this item be corrected or removed from my credit report in accordance with the law. 
Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  accounts all share similar issues, with a {$0.00} balance and the ambiguous " tied up '' status. These accounts have been marked as charge-offs, yet the lack of explanation or supporting documentation makes it impossible to assess their accuracy. As outlined in 15 U.S.C. 1681c, creditors are required to provide accurate, verifiable information to the credit bureaus, and the failure to clarify the reason for the " tied up '' status for these accounts violates the guidelines for proper reporting. It is crucial that the credit bureaus conduct a thorough review of these accounts, requesting detailed information from the creditors regarding the nature of the charge-offs and ensuring that each item is backed by appropriate documentation. In the absence of clear verification, I respectfully request that these entries be removed from my credit report in order to preserve the accuracy of my financial records.

As outlined under 15 U.S.C. 1681i, I am entitled to a full and fair investigation of any discrepancies or inaccuracies on my credit report, and I request that you promptly investigate these charge-off entries to determine their legitimacy. If the creditors can not provide proper documentation or explanation for these charge-offs, I kindly ask that these items be deleted from my credit report to ensure that my credit profile remains accurate and up-to-date. Under the Consumer Credit Protection Act ( CCPA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors are obligated to report accurate information and validate debts before marking them as charge-offs. The ambiguous status of these accounts is unfairly impacting my credit score, and I am requesting immediate correction.

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