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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In an attempt to dispute credit report status, Experian disputed one creditor who was filed in my bankruptcy and listed the account as zero balance and closed. Experian sent them a dispute from me WHICH I DID NOT SEND! This is fraudulent directly from Experian. When I called the representative ( XXXX ) informed me that the dispute that I sent along with the proof from the creditors that was sent to me informing me that I do not owe them was said to not have been seen because their upload at Experian is not working. She also inform me that Experian send the dispute. I informed her that when Experian sends the dispute to the creditor, the creditor sends me a letter that says I am not obligated to pay. Then I dispute with Experian again to remove the account or report the account amount as XXXX and they send it back to the creditor and it's been a vicious cycle. The creditor XXXX has relisted the account and charged a {$75.00} late fee on my credit report. The creditor Upstart has never inquired about the account and had chosen to close the account when I filed bankruptcy Chapter XXXX in XXXX XXXX have never received a letter from Upstart and I the only reason I found out was because I looked at my credit report. This is illegal! Also, The account has been reactivated on XXXX as well. I sent a letter to Experian that states : XXXX XXXX XXXX XXXX Community XXXX XXXX, AR. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Dispute XXXX Department XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information on my credit report under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). The following accounts are being reported incorrectly and must be removed or corrected immediately. I believe that Experian is using a tactic called " debt parking '' ( also known as passive debt reporting ), where original creditors or debt collectors place derogatory marks on my credit report without actively attempting to collect the debt. This practice is misleading and potentially illegal under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Inaccurate Accounts to Be Corrected or Removed : XXXX XXXX | Credit report # XXXX | Update account balance to XXXX | {$1100.00} | Paid as agreed XXXX XXXX | Credit report # XXXX | Update account balance to XXXX | {$1600.00} | Paid as agreed XXXX  XXXX -XXXX  | Credit report # XXXX ... | Update account balance to XXXX | {$4600.00} | Letter from XXXX XXXX XXXXXXXX stated account is XXXX. 
XXXX XXXX | Credit report # XXXX ... | Update account balance to zero | {$260.00} | XXXX from XXXX. XXXX stated account is XXXX. 
XXXX XXXX | Credit report # XXXX ... | Update account balance to zero | {$400.00} | XXXX from XXXX. XXXX stated account is XXXX. 
XXXX XXXX | Credit report # XXXX ... | Update account balance to zero | {$1400.00} | XXXX from XXXX. XXXX stated account is XXXX. 
XXXX XXXX | Credit report # XXXX ... | Update account balance to zero | {$3800.00} | XXXX from XXXX. XXXX stated account is XXXX. 
XXXX XXXX | Credit report # XXXX ... | Update account balance to zero | {$2000.00} | XXXX from XXXX. XXXX stated account is XXXX. 
XXXX XXXX XXXX XXXX Credit report # XXXX| Update account balance to zero | {$1300.00} | XXXX from XXXX stated account is XXXX. 
XXXX | Credit report # XXXX | Remove account| {$5600.00} | No response from XXXX after several attempts to validate XXXX XXXX Credit report # XXXX ... | Remove account| {$3900.00} | No response from XXXX  after several attempts XXXX validate XXXX 
XXXX  | Credit report # XXXX ... | Remove account| {$8200.00} | XXXX from XXXX  stated account XXXX XXXX. 
XXXX | Credit report # XXXX ... | Remove account| {$4400.00} | No response from XXXX after several XXXX to XXXX. 
SYNCB/PPMC | Credit report # XXXX ... | Remove account| {$2600.00} | No response from XXXX after several XXXX to XXXX. 
XXXX XXXX | Credit report # XXXX ... | Remove account| {$3000.00} | No response from XXXX XXXX after XXXX XXXX to validate. 
XXXX XXXX XXXX  | Credit report # XXXX ... | Remove account| {$2000.00} | No response from XXXX XXXX XXXX  after XXXX XXXX to validate. 
Upstart | Account was added to my Bankruptcy and zeroed out in XX/XX/XXXX. Experian falsely reported to Upstart that I disputed the account, causing a {$75.00} fee, which is illegal. 
Reason for Dispute : XXXX. The debts were written off ( charged off ) by the original creditors, yet they still appear as " amount owed '' and " in collections '' despite being sold to third-party XXXX who have not validated the debt. 
XXXX. These accounts are being reported incorrectly under multiple statuses ( e.g., " charge-off, '' " closed, '' " amount owed, '' and " bankruptcy '' ) simultaneously, which violates FCRA 's XXXX requirements. 
XXXX. There is no debt XXXX listed on my report, yet the debts appear as if they are still owned by the original creditor, which is misleading and a possible case of debt parking under the FCRA and FDCPA. 
Requested Action : Remove or correct the inaccurate reporting on my credit file immediately. 
Provide me with written confirmation of the corrections made. 
Provide me with the method and source of verification for these debts. 
Legal Notice : As per the FCRA ( 15 U.S.C. 1681i ), you are required to investigate and correct these errors within 30 days. If these inaccuracies are not corrected, I will escalate this matter by filing complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My state attorney general 's office I will also consider legal action for damages under FCRA violations. 
Please send me a written response regarding your findings to the address listed above. I expect full compliance with federal law and Experian 's obligations to report fair and accurate information. 
Sincerely, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) n Section 605B, It is illegal to report information on my credit report without my permission, please remove all disputed items from my credit report.

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