Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to their repeated failure to accurately report and properly investigate disputed information regarding the XXXX XXXX account ( # XXXX ). 
On XX/XX/XXXX, I submitted a dispute to Experian, which was confirmed received. Despite this, XXXX separate Experian representatives have admitted there is no record of my dispute being processed. This is an egregious violation of FCRA XXXX ( a ), which requires credit bureaus to investigate consumer disputes in a timely and accurate manner. 
The account in question has been marked as Charge-Off retroactively from XX/XX/XXXX through XX/XX/XXXX. This reporting sequence is completely illogical, as time does not move backward. Further, only XXXX charge-off event may occur per account, not multiple entries month after month. This is a direct violation of XXXX XXXX Format guidelines and FCRA XXXX ( b ), which mandates maximum possible accuracy in credit reporting. 
Additionally, I possess a written statement from the creditor ( XXXX XXXX  ) acknowledging that the principal owed on the account was only {$1.00}, with the remaining {$490.00} attributed to late fees. Under XXXX XXXX Format ( FAQ XXXX ), charge-offs must only reflect unpaid principal. Reporting a major derogatory event like a charge-off for junk fees or penalties is both deceptive and non-compliant. 
Experian also marked this account as verified despite not performing a reasonable investigation. I never requested debt validationI requested deletion based on numerous factual inaccuracies. Experian has acted in bad faith by failing to meet its investigative and reporting duties under the FCRA. 
Attached to this complaint is XXXX of many dispute letters I have submitted in my ongoing efforts to resolve this matter. Also attached is a letter from XXXX XXXX ( XXXX XXXX ) confirming that the account was paid in full and was never a charge-off, contradicting Experians current reporting. Additionally, I have attached a letter dated XX/XX/XXXX, in which XXXX XXXX acknowledges missing positive payment history and reporting errors that they stated would be correctedyet the issue remains unresolved to this day despite my continued efforts. 
I am requesting the CFPB to investigate Experians conduct and take corrective action to ensure the XXXX XXXX  account is permanently deleted from my credit report. Their actions violate the following provisions : - FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy - FCRA XXXX ( a ) : Failure to conduct a proper reinvestigation - FCRA XXXX ( a ) : Reporting information known or reasonably known to be inaccurate - Metro 2 Format ( FAQ XXXX, XXXX ) : Improper charge-off and re-aging practices If this matter is not promptly addressed, I will proceed with additional actions by filing formal complaints with the Federal Trade Commission ( FTC XXXX XXXX my State Attorney Generals Office, and I am fully prepared to pursue private legal action under FCRA XXXX and XXXX for willful and negligent noncompliance. 
I request the Bureaus assistance in correcting this harmful, unlawful reporting and holding Experian accountable.

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