Consumer complaint received 2025-03-19 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: OK

Complaint narrative:
I am writing to formally address the inaccuracies and misleading information provided by Experian via information furnished by XXXX regarding my bankruptcy record, which was incorrectly reported and subsequently resulted in an adverse impact on my credit profile. Namely, on my account with XXXX XXXX XXXX, Account # XXXX, on my credit report. 

According to XXXX XXXX XXXX, this account was closed and XXXX through XXXX XXXX XXXX  and was updated as of XX/XX/year>. 

Upon my recent review, I discovered that XXXX had inaccurately reported a XXXX XXXX XXXX case filing associated with my name. This inaccurate and incomplete information was disseminated to all the major credit reporting agencies specifically Experian, the provided information has led to significant derogatory marks on my credit profile. 

After a thorough investigation and dispute of this erroneous information, XXXX rightfully deleted the inaccurate bankruptcy data from its database. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), data furnishers, including XXXX, are required to ensure the maximum possible accuracy of the information they provide to credit reporting agencies ( CRAs ). Since XXXX has removed the inaccurate bankruptcy record from its system, I am requesting written confirmation that : XXXX. The inaccurate bankruptcy record has been permanently deleted from my Experian XXXX file. 
XXXX. XXXX has communicated the deletion of this erroneous information to the Experian credit reporting agency to ensure that my credit profile reflects accurate and complete information. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), data furnishers, including XXXX, are required to ensure the maximum possible accuracy of the information they provide to credit reporting agencies ( CRAs ). 

As per the Fair Credit Reporting Act ( FCRA ), I would like to emphasize that creditors are prohibited from simultaneously reporting an account as both " Charged off account '' and " Closed ''. 

Reporting an account as both " closed '' and " charged off account " on my Experian Credit file is inherently contradictory and creates misleading and adverse information that is detrimental to my creditworthiness. 

A paid or settled account can not legally remain reported as a charge-off account in the comments, as this creates an inaccurate and incomplete picture of the consumer 's financial situation. 

Since XXXX is a primary public records vendor used by the three major credit reporting agencies, the deletion of this erroneous bankruptcy data by XXXX should trigger the automatic removal of the associated derogatory public record from my credit Experian Credit report. However, I am aware that credit reporting agencies may not always update their records promptly, despite XXXX deleting the inaccurate data. 

To ensure compliance with the FCRA and industry standards, I am requesting confirmation that : Experian has been notified of the removal of the inaccurate information furnished by XXXX. 
The deletion of the bankruptcy record has been fully noted by Experian across all data-sharing platforms used by the CRAs. 

As noted by the FCRA, credit reporting agencies are required to update and delete inaccurate information when notified by public record vendors. Therefore, I will be following up with Experian to verify the removal of this information from my credit report. 

Furthermore, continued reporting by Experian of inaccurate information after it has been disputed and resolved may be considered a violation of 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers investigate and correct inaccuracies when a dispute is filed to prevent further harm to my credit standing and to ensure compliance with federal regulations.

Thank you for your prompt attention to this matter. I kindly request confirmation that Experian has implemented corrective action and that the updated information will reflect the removal of the charge-off account status.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this issue has been resolved. 

Sincerely, XXXX XXXX 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