Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Urgent : Immediate Deletion Required for Erroneous Charge-Off Entry by XXXX XXXX To Whom It May Concern, I am urgently escalating my complaint regarding a grossly erroneous charge-off entry reported by XXXX XXXX. Despite numerous prior complaints, this issue remains unresolved. Please find the critical details of my case below : * Creditor : XXXX XXXX * Account Number : XXXX XXXX * Account Status : Charge-Off * Account Type : Installment * Date Opened : XX/XX/XXXX * Remaining Balance : {$0.00} * Last Payment : XX/XX/XXXX Details of Previous Complaints : XXXX. Complaint Reference Number : XXXX * Date Filed : XX/XX/XXXX * Status : Closed * Response Summary : The response failed to address the core inaccuracies. 
XXXX. Complaint Reference Number : XXXX * Date Filed : XX/XX/XXXX * Status : Closed * Response Summary : No substantive correction was made. 
XXXX. Complaint Reference Number : XXXX * Date Filed : XX/XX/XXXX * Status : Closed ( Company responded ) * Response Summary : Response did not correct the inaccurate reporting. 

Critical Issues Requiring Immediate Deletion : 1. Inaccurate Payment Reporting : The report incorrectly shows a payment made in XX/XX/XXXX, which is false. I have not made any payments on this account since XX/XX/XXXX. This misinformation is detrimental to my XXXX XXXX and violates the accuracy requirement under FCRA. 
2. Misclassification of Charge-Off : The account is improperly classified as a charge-off. According to IRS guidelines and standard credit reporting practices, charge-offs should be treated as settled or paid, and should not adversely impact the credit report. This misclassification is inconsistent with proper reporting standards. 

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681e ( b ) : Requires that consumer reports maintain maximum accuracy. The continued reporting of erroneous information by XXXX XXXX is a direct violation of this provision. 
2. Furnisher 's Duties - 15 U.S. Code 1681s-2 : Obliges furnishers to report accurate information. XXXX XXXX repeated failure to correct these inaccuracies constitutes a breach of their legal responsibilities. 
XXXX. Prohibition on Inaccurate Reporting - 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : The report of false information, despite XXXX XXXX knowledge of the errors, breaches this statute. 
XXXX. Failure to Correct After Notice - 15 U.S. Code 1681s-2 ( a ) ( XXXX ) ( B ) : XXXX XXXX has been given multiple notices of inaccuracies but has failed to rectify the information, violating this provision. 

Evidence of Harm : * Credit Score Impact : The erroneous charge-off has caused a significant and unwarranted drop in my credit score, impacting my ability to obtain credit under fair terms. 
* XXXX XXXX : The ongoing reporting of this incorrect information has harmed my financial health by misrepresenting my creditworthiness to potential lenders. 

Demand for Immediate Deletion : Given the persistent failure to address these serious issues, I demand the immediate deletion of the erroneous charge-off entry from my credit report. The continued presence of this incorrect information is causing severe damage to my credit profile and financial wellbeing.

An adjustment or mere correction is insufficient ; the entry must be fully removed to rectify the issue.

Failure to resolve this matter within 10 days will compel me to escalate this issue further through legal avenues, including potential litigation, to enforce my rights under consumer protection laws.

Thank you for your prompt and decisive action on this urgent matter.

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