Consumer complaint received 2025-12-22 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: KY

Complaint narrative:
I am writing to formally dispute certain inaccurate entries on my credit report and request that these errors be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I noticed several discrepancies that are affecting my creditworthiness, and I am requesting prompt correction to ensure that my credit report reflects accurate and up-to-date information. The disputed accounts are listed below, and I respectfully ask for a thorough investigation to correct these errors. 
The first account I wish to dispute is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$0.00}. The account is labeled as " Late Close '', but the status of this account is unclear. The report indicates that the account was closed, yet I have no recollection of ever closing the account myself. Furthermore, if the account was closed, it should not reflect any outstanding balance, and I would appreciate clarification on why it appears as though there is still an open balance associated with the account. As per FCRA Section 1681e ( b ), credit bureaus must ensure that all information reported is accurate and verifiable. If the account was closed due to non-payment or some other reason, that should be clearly stated on my credit report, with accurate dates and a clear indication of the accounts final status. I request that you verify whether this account was indeed closed, and if it was, please provide a full account history to substantiate the information that is being reported. 
The second issue pertains to the XXXX XXXX XXXXXXXX XXXX XXXX  account XXXX XXXX  which shows a balance of {$0.00} and is listed as a charge-off. The report indicates that this account is tied up, but the status is listed as a charge-off, which I believe may be incorrect. While the balance is reported as {$0.00}, the account should not be marked as a charge-off if it was still in dispute or undergoing resolution at the time the report was generated. Under FCRA Section 1681i, I have the right to dispute any incorrect information, and if this account was inaccurately labeled as a charge-off, I request a full investigation into its status. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), prohibits the reporting of inaccurate or outdated information, including charge-offs that do not accurately reflect the true financial standing of the account. If the account was being disputed, the credit bureaus must report it accurately and update the status to reflect the ongoing dispute or resolution, rather than reporting it as a charge-off. I request that this charge-off status be reviewed and, if found to be an error, corrected from my report. 
Furthermore, I would like to emphasize that reporting a charge-off improperly or without fully reflecting the status of the account is damaging to my credit score and is a violation of the rights afforded to consumers under the FCRA. The FCRA Section 1681e ( b ) requires that all information included in credit reports must be accurate, and under FCRA Section 1681i ( a ), I am entitled to a full investigation of any disputed items. I request that the credit bureaus reach out to XXXX XXXX to confirm the details regarding this charge-off and, if there was an error in how it was reported, that the appropriate corrections are made to reflect an accurate and up-to-date status of the account. If the account was tied up in dispute, the notation on my credit report should reflect that accurately.

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