Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX - XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Permanent Deletion of Inaccurate and Incomplete Accounts on Experian Credit Report FCRA Violations Dear CFPB, I am writing to formally file a complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ), and failure to conduct a reasonable investigation and provide the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Below are the specific accounts reporting inaccurate, incomplete, and unverifiable information that must be permanently deleted from my credit report : XXXX. XXXX XXXX ( Account # XXXX ) Status Reporting Inaccuracy : The report claims the account was charged off with a balance of {$230.00} still past due as of XX/XX/XXXX, yet the last payment was made on XX/XX/XXXX and the account was closed. 
Conflict : A charged-off account can not simultaneously carry an active past due balance into the future. This is factually incorrect and misleads creditors. 
Incomplete Info : No complete investigation details or method of verification has been provided for this account despite previous disputes.

Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ) 2. XXXXXXXX XXXX  XXXX ( Account # XXXX ) Status Reporting Inaccuracy : The report shows the account as Paid, Closed. {$740.00} written off, which is contradictory. If paid, it can not simultaneously be charged off. 
Payment History Issues : Negative remarks ( Charge-Offs CO ) persist from XXXX with no proper context. Multiple months have blank data or codes such as ND indicating missing data. 
Violation : This incomplete and conflicting reporting lacks maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and Experian failed to show what steps were taken to verify any of this data under 15 U.S.C. 1681i. 



XXXX. XXXX XXXX ( Account # XXXX ) Status Conflict : Similar to the XXXX account , it states Paid, Closed. {$830.00} written off. This is contradictory and misleading. 
Pattern of CO Reporting : Inaccurate repetitive charge-off codes ( CO ) for multiple consecutive months in XXXX and XXXX, despite no evidence of any activity or investigation. 
Missing Data : Months in XXXX show ND or blank fields, violating FCRAs accuracy requirement. 
Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) Summary of FCRA Violations by Experian : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation after receiving disputes.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide method of verification and name of the person contacted during reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Inaccurate data not corrected or deleted after dispute. 



DEMAND FOR IMMEDIATE ACTION : I respectfully demand that the CFPB compel Experian to permanently delete the above-referenced accounts from my credit file due to : 1. Incomplete and inaccurate data being reported, 2. Failure to respond to reasonable disputes with proper verification, and 3. Repeated FCRA noncompliance. 

These false and misleading entries are causing undue harm to my creditworthiness, and I am prepared to escalate this matter to federal court if not resolved immediately. 

I have included a copy of the Experian credit report as evidence. 

Sincerely, 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