Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX, Experian, and XXXX for allowing inaccurate and harmful reporting on my credit report. Despite my consistent efforts to resolve this matter, the inaccuracies persist, threatening my financial well-being and access to credit. My complaint involves the following issues : **Account Information : ** - **Account # : ** XXXX - **Lender : ** XXXX XXXX  - XXXX XXXX ** XXXX XXXX - **Status XXXX XXXX Charged Off - **Issues : ** - Inaccurate " charged off '' reporting despite the account being paid in full. 
- Reporting of the same debt by XXXX Bank, even though it was originally serviced and paid through XXXX XXXX. 

**What Each Bureau is Currently Reporting : ** - **Equifax : XXXX - XXXX XXXX  XXXX XXXX Account # : XXXX Account Status : CHARGE_OFF - **Experian : ** - XXXX XXXX Account # : XXXX Account Status : Paid Off CHARGE_OFF w/balance of {$52000.00} - **XXXX  : ** - XXXX  XXXX Account # : XXXX Account Status : CHARGE_OFF **Supporting Evidence : ** XXXX. A " Paid in Full '' letter issued by XXXX Bank, confirming that the account has been fully satisfied ( attached to this complaint ). 
2. A copy of the IRS Form XXXX, substantiating the charge-off and confirming the debt 's discharge for tax purposes. 

**Additional Context : ** While the double reporting has ceased, XXXX Bank XXXX now solely reporting the debt as charged off. This is erroneous because the debt was originally paid through XXXX XXXX, which acted as the payment collector. XXXX Bank, as the lender, is equally bound by the " Paid in Full '' letter issued for this account. The continued reporting by XXXX Bank directly contradicts this documentation and violates the Fair Credit Reporting Act ( FCRA ). 

**Violations by Credit Bureaus : ** All three bureaus have ignored my evidence and have repeatedly failed to correct the inaccuracies, in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically : - **Failure to Investigate Properly : ** Despite my multiple disputes, the bureaus uncritically defer to the data furnisher ( XXXX Bank XXXX, even when their responses contradict my evidence. 
- **Failure to Correct Inaccuracies : ** My disputes are dismissed without adequate investigation, and the inaccuracies remain on my credit report. 

**Relevant Context : ** This case mirrors the issues highlighted in the CFPBs recent lawsuit against Experian ( XX/XX/year> ), which describes sham investigations and the agencys failure to properly handle consumer disputes. Similar to the CFPBs allegations, my experience reflects the following : - **Sham Investigations : ** Each bureau ignores the clear evidence I have provided, relying solely on the responses from XXXX Bank XXXX The bureaus fail to consider the documentation I submitted, such as the " Paid in Full '' letter and the IRS XXXX XXXX XXXX 
- XXXX XXXX Practices : ** Inaccurate reporting persists even after being disputed and " corrected, '' violating the FCRA 's procedural safeguards. 

The CFPBs complaint against Experian noted that these practices harm consumers by perpetuating inaccuracies on their credit reports, threatening their access to credit, employment, and housing. My case is no different, and the failure of XXXX, Experian, and XXXX to comply with federal law has caused significant harm to my financial standing. 

**Requested Resolution : ** 1. Immediate removal of all inaccurate entries related to Account # XXXX from all three credit bureaus. 
2. Confirmation from each bureau that the account will no longer be reported inaccurately. 
3. Investigation and enforcement action by the CFPB to ensure that XXXX, Experian, and XXXX comply with the FCRAs requirements for proper dispute investigations and accurate reporting. 

I urge the CFPB to act decisively in this matter to protect my rights and hold the credit bureaus accountable for their unlawful actions. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

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