Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN ( last four ) : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Account # XXXXXXXX XXXX XXXX  Pattern of Inaccurate and Incomplete Charge-Off Reporting Demand for Deletion XXXX XXXX To the Chief Compliance Officer : On XX/XX/XXXX, I filed a formal dispute through the CFPB portal regarding the above-referenced XXXX XXXX  charge-off. On XX/XX/XXXX, XXXX XXXX responded with non-monetary relief, providing account agreements and statement historybut you failed to correct or delete the tradeline despite glaring errors that breach multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a non-exhaustive list of your material violations : Inconsistent Date Opened ( XXXX XXXX XXXX XXXX. Experian/XXXX XXXX XX/XX/XXXX ) violates FCRA 1681e ( b ) s requirement for accurate reporting. 
Contradictory High Credit ( {$4400.00} vs. {$0.00} ) and Credit Limit ( {$4000.00} vs. {$0.00} ) further proof you are furnishing incomplete, misleading data ( FCRA 1681e ( b ) ). 
Mismatched Date Last Active ( XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) you can not verify these key dates, yet you continue reporting them ( FCRA 611 ( a ) ( 5 ) ). 
Continuous Monthly Charge-Off Status on Experian for 24 consecutive months, despite XXXX XXXXhowing an OK status a charge-off is a one-time event ; your ongoing CO designations materially misrepresent account history ( FCRA 1681s-2 ( b ), 1681i ). 
Failure to Reinvestigate Properly you merely resupplied statements rather than addressing or correcting discrepant data, in breach of your reinvestigation obligations under FCRA 1681i and 1681s-2 ( b ).

Lack of Chain-of-Title Validation you acknowledge securitization concerns in my original dispute yet refuse to produce any assignment history or proof of continuing reporting rights, in violation of FDCPA 809 ( b ). 
Because of these willful and negligent violations, I demand that within 10 business days of your receipt of this letter you must : Delete this tradeline in its entirety from my consumer reports with XXXX Experian and XXXX  and Provide me written confirmation of each deletion ( including the date each CRA was notified ). 
Alternatively, if you claim to possess verifiable, Metro 2-compliant evidence for every data field you furnish, produce a complete reinvestigation reportfailing which you must remove the tradeline. 

Should you fail to comply, be advised that I will : Invoke Arbitration under my Customer Agreement with XXXX XXXX XXXX XXXX by filing a Demand with the XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  ; File Complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Virginia Attorney General for ongoing FCRA/FDCPA violations ; and Seek Statutory Damages under FCRA 616617 ( up to {$1000.00} per violation ), punitive damages, and recovery of attorneys fees.

I look forward to your prompt confirmation of the tradelines deletion. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX Consumer Financial Protection Bureau Virginia Attorney 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