Consumer complaint received 2025-11-08 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: LA

Complaint narrative:
Subject : Formal Complaint & Request for Investigation Violations of FCRA, FDCPA, and XXXX Reporting Standards Dear CFPB XXXX, I am filing this complaint against the furnishers and credit reporting agencies regarding inaccurate and unlawful reporting practices that have negatively impacted my credit profile. I request a full reinvestigation under 15 U.S.C. 1681i and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692 of the Fair Debt Collection Practices Act ( FDCPA ). 
ACCOUNT # XXXX XXXX XXXX ( XXXX ) Status Reported : Closed / Charge-Off with {$11000.00} past due Violations & Inaccuracies Identified : FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher reported information known to be inaccurate the account was charged off but continues to show Payment after charge-off without supporting proof. 
XXXX Compliance : An account coded as charge-off must display a XXXX balance and a current status of Paid Closed. Listing a past-due balance and a charge-off simultaneously violates XXXX Reporting Standard CR RG 5.1 and 5.2.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation upon prior consumer dispute. 
Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) furnishing incomplete or misleading information is actionable under 623 ( a ) ( 1 ) ( A ).

15 U.S.C. 1692e ( 8 ) : Misrepresenting credit information known to be false constitutes a deceptive collection practice. 
Requested Resolution : Delete this inaccurate account from my credit report. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ) Status Reported : Open Line of Credit with XXXX late marks and erroneous history Violations & Inaccuracies Identified : FCRA 602A & 607 ( b ) : Data furnished must be accurate and up-to-date. XXXX XXXX  shows late payments after the account was brought current, creating an inaccurate representation of payment history. 
XXXX Standard K1 and L1 : If a consumer is current and account is Paid as Agreed, the Account Status field must not contain delinquency codes ( 71, 78, 80 ).

FCRA 623 ( a ) ( 2 ) : Furnisher failed to update and correct inaccurate information after being notified of a dispute.

Case Law : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) failure to correct reporting after notice constitutes a willful violation.

15 U.S.C. 1681s-2 ( b ) : Failure to conduct reasonable reinvestigation and report accurate results to all consumer reporting agencies. 
Requested Resolution : Remove all derogatory marks and late payment notations associated with this account or update to show Pays as Agreed.

CONSUMER RIGHTS NOTICE Under FCRA 623 ( b ) and 611 ( a ) ( 1 ), I am requesting that each furnisher and bureau verify the accuracy and completeness of the information they have reported. If they can not provide documented proof within 30 days ( signed contract, account history, charge-off notice, etc. ), the items must be deleted. 
Failure to respond within the prescribed time frame will constitute non-compliance and a willful violation of the FCRA and FDCPA, subject to statutory damages of {$1000.00} per violation plus punitive damages under 15 U.S.C. 1681n and 1681o.

Requested Action from CFPB Investigate XXXX XXXX and XXXX XXXX  for non-compliance with XXXX and FCRA standards XXXX 
Ensure immediate correction or deletion of these accounts from all credit bureaus. 
Provide a written confirmation of resolution within XXXX  days. 

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