Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute Under FCRA Inaccurate Reporting of XXXX XXXX  ( Acct # XXXX ) To Whom It May Concern : This letter is a formal dispute made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the accuracy and completeness of the information being reported on my Experian credit file. I am requesting an immediate investigation and deletion of the account referenced below due to numerous violations of federal law and reporting standards. 

Disputed Account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : Closed {$84.00} Written Off Status Updated : XX/XX/XXXX Comment : Purchased by another lender Legal Grounds for Dispute : 1. Inaccurate and Incomplete Payment History Reporting The payment history shows a progression of 30, 60, and 90 days late from XXXX to XX/XX/XXXX, followed by CO ( Charge Off ) in XXXX and XX/XX/XXXX. However, there is no record of a monthly payment due, no recent payment, no original balance, no highest balance, and a {$0.00} current balance. These omissions violate 15 U.S.C. 1681s-2 ( a ) which requires furnishers to report complete and accurate information.

If an account is listed as charged off and delinquent, complete data elements must accompany that statusincluding original balance, highest balance, amount past due at the time of charge-off, and payment terms. This is a material inconsistency.

2. Misleading Reporting in Violation of 1681e ( b ) The account is listed as Closed {$84.00} Written Off and simultaneously reflects a {$0.00} balance. This is misleading to lenders and violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). An item can not both be written off and have a zero balance without adequate clarificationespecially when no original or high balance is listed.

3. Failure to Properly Update Following Dispute 1681i ( a ) ( 5 ) According to your record, this account was updated from our processing of your dispute in XX/XX/XXXX. However, none of the fundamental errors were corrected, and no evidence of re-investigation or verification by the furnisher ( WebBank/Fingerhut ) has been provided as required under 15 U.S.C. 1681i ( a ) ( 2 ) - ( 6 ).

You are legally obligated to : Notify the furnisher within 5 business days of the dispute ( 1681i ( a ) ( 2 ) ) Complete the reinvestigation within 30 days ( 1681i ( a ) ( 1 ) ) Delete or correct the account if it is found to be inaccurate, unverifiable, or incomplete ( 1681i ( a ) ( 5 ) ) Demand for Action : I demand the following action be taken immediately : 1. Delete the XXXX XXXX account from my credit report due to inaccurate, incomplete, and misleading reporting in violation of federal law.

2. Provide a description of the procedure used to determine the accuracy and completeness of the disputed item as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. If the account is purchased by another lender, please provide the name and address of that entity under 1681g ( a ) ( 2 ).

This letter serves as a direct notice of dispute to Experian under 1681i and to the original furnisher ( WebBank ) under 1681s-2 ( b ). If this account is not removed or corrected, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and explore legal remedies including a private right of action under 15 U.S.C. 1681n and 1681o.

Please provide a full response in writing within 30 days, along with a free updated copy of my credit report reflecting the outcome. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/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