Consumer complaint received 2025-01-13 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:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Deletion of Inaccurate Information Due to Sham Reinvestigation and Reference to CFPB Case XXXX XXXXXXXX closed case To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurate and incomplete reporting of the XXXXXXXX XXXX account on my credit report due to Experians failure to conduct a meaningful reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Additionally, I reference CFPB Case XXXX XXXXXXXX, in which my complaint regarding this issue was improperly closed without a thorough investigation or appropriate resolution by Experian. Experian failed to conduct a full investigation and re aged the account. 

Disputed Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$2100.00} Credit Limit : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed, Charged Off Issues with the Reported Information : Inconsistent Payment History The payment history is inconsistent, alternating between " CO '' ( Charge-Off ) and " ND '' ( No Data ) from XXXX to XXXX. Also missing other reported payments A charge-off is a one-time event, yet Experian is inaccurately reporting repeated charge-offs, which misrepresents the account status and implies continued delinquency. 
Illegal Re-aging of the Account Experian updated the accounts balance effective XX/XX/XXXX, which unlawfully re-aged the account, extending its reporting beyond the statute of limitations. 
Under 15 U.S.C. 1681c, closed accounts can not have balances updated without a legitimate basis, which is not present in this case. 

Expenian is reporting a balance on a charged-off and closed account which is inherently inaccurate and misleading.

Despite providing detailed evidence of inaccuracies, Experians reinvestigation for the CFPB Case XXXX XXXXXXXX relied solely on the furnishers unverified response. This failure to conduct a reasonable and independent investigation violates : 15 U.S.C. 1681e ( b ), requiring credit reporting agencies to maintain maximum possible accuracy ; and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), mandating a meaningful reinvestigation of disputed information.

The closure of CFPB Case XXXX XXXXXXXX without addressing these violations further underscores Experians failure to comply with its statutory obligations.

Legal Precedents and Obligations As highlighted in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies can be held liable for failing to ensure accurate and complete reporting. Experians actions in this matter have caused harm to my creditworthiness, undue stress, and financial repercussions.

Demands : Immediate Deletion of the XXXX XXXX Account from my credit report due to its inaccurate, incomplete, and unverifiable nature. 
If this account is not deleted please provide me process and documentation used to report this account. 
Confirmation of Compliance with FCRA Standards, ensuring that no further violations occur regarding this account or any future disputes.

If Experian does not resolve this matter within 15 days, I will take the following actions : File additional complaints with the Federal Trade Commission ( FTC ), and my state attorney generals office. 
Seek legal remedies for damages incurred due to Experians continued noncompliance with the FCRA. 

I trust Experian will act promptly to address these concerns and correct the inaccuracies on my credit report. 
Please respond directly to this portal as you have falsely claimed you have sent proof to all of my prior request. 

Sincerely,

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