Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Inaccurate Credit Reporting by PRO COLLECT FCRA/FDCPA Violation Dear CFPB Representative, I am filing a formal dispute concerning an account being reported on my credit file by PRO COLLECT, which appears to contain inconsistent, incomplete, and potentially unlawful credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and possibly the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, if XXXX XXXX is acting as a debt collector. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months Reviewed : XXXX Terms Count : XXXX Current Payment Status : Collection/Charge-Off Payment History : None Remarks : Account Information Disputed by Consumer Dispute Basis : This account is being reported as " in good standing '', yet simultaneously listed as a " charge-off/collection '', which is contradictory and misleading. Further, the reporting includes : XXXX late payments, yet the account is in charge-off status which typically requires a history of delinquency. 

No payment history or terms reviewed, which prevents any verification of default. 

A balance of {$1000.00} due with 100 % of the loan left unpaid, yet no clear timeline or payment structure to justify the charge-off. 

Marked as disputed by consumer, yet there is no visible resolution or evidence of investigation as required by law. 

Legal Violations Cited : Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or incomplete information.

1681s-2 ( b ) : After being notified of a dispute, furnishers must conduct a reasonable investigation and correct or remove unverifiable information.

1681e ( b ) : Requires reasonable procedures to ensure maximum possible accuracy of the information.

Under the Fair Debt Collection Practices Act ( FDCPA ) : 1692e ( 8 ) : Prohibits reporting of false or misleading credit information, including failure to communicate that a debt is disputed.

1692g : Requires debt collectors to provide debt validation upon request and to cease collection until validation is provided. 

Requested Action : I am requesting that the CFPB : Investigate the accuracy and completeness of the data reported by XXXX XXXX 

Require that XXXX XXXX provide full documentation validating the debt, including original agreement, itemized charges, and history of communications. 

Order removal of any inaccurate, unverifiable, or misleading information that does not comply with the FCRA and FDCPA. 

This account, as currently reported, is harming my creditworthiness and appears to be maintained in violation of federal consumer protection laws. 

Thank you for your time and attention to this matter. 
______________________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Reporting by XXXX XXXX Violations Dear CFPB Representative, I am filing this complaint and formal dispute regarding an account being reported on my credit report by XXXX, which I believe is being reported inaccurately and inconsistently, and possibly in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Account Details : Creditor : XXXX Partial Account Number : XXXX Account Status : Charge-Off Balance : {$1000.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Highest Balance : {$1000.00} High Credit : {$1000.00} Responsibility : Individual Current Payment Status : Collection/Charge-Off Amount Past Due : {$1000.00} Times XX/XX/XXXX Days Late : XXXX Months Reviewed : XXXX Terms Count : XXXX Payment History : Not Available Remarks : " Account Information Disputed By Consumer '' Reasons for Dispute : The account is labeled as both " in good standing '' and " charge-off/collection '', which is contradictory and misleading. 

The account shows no late payments ( XXXX ) and no reviewed months, which is inconsistent with a valid charge-off designation. 

There is no payment history, yet the balance remains at 100 % and is considered in default. 

It states that the account is " disputed by consumer '', but no indication is given that a reinvestigation has occurred, nor has any documentation been provided in accordance with the FCRA. 

If XXXX is acting as a third-party collector, they are legally required to validate the debt upon request and cease reporting or collecting until validation is provided. 

Violations of Applicable Law : Under the FCRA : 1681s-2 ( a ) ( 1 ) ( A ) : Information furnished to consumer reporting agencies must be accurate and complete.

1681s-2 ( b ) : Upon notice of a dispute, the furnisher must conduct a reasonable investigation and correct or delete any information that is inaccurate or can not be verified.

1681e ( b ) : Consumer reporting agencies must ensure the maximum possible accuracy of the information they include in credit reports. 

Under the FDCPA ( if XXXX is a debt collector ) : 1692g : Consumers have the right to request debt validation, and collectors must cease collection efforts until verification is provided.

1692e ( 8 ) : Prohibits furnishing of information that is known or should be known to be false, including failure to communicate that a debt is disputed. 

Requested Resolution : I am respectfully requesting that the CFPB : Investigate this accounts reporting for compliance with the FCRA and FDCPA. 

Require XXXX to provide proper documentation verifying the debt, including original creditor agreement, itemization of the balance, and history of the account. 

Direct the removal of any data that is found to be inaccurate, incomplete, unverifiable, or misleading. 

I appreciate your help in resolving this matter that is having a negative and unjustified impact on my credit profile. 
______________________________________________________________________ To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX Violations Dear CFPB Representative, I am submitting this formal complaint and dispute regarding a derogatory entry reported by XXXX XXXX XXXXXXXX that is being inaccurately and potentially unlawfully maintained on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and possibly the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., if XXXX XXXX XXXX is operating as a third-party debt collector. 

Account Information : XXXX XXXX : XXXX XXXX XXXX Partial Account Number : XXXX Account Status : Charge-Off Balance : {$9000.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Responsibility : Joint Contractual Liability Remarks : " Unpaid Balance Reported As A Loss By Credit Grantor, Dispute Resolved - Consumer Disagrees '' High Credit/Balance : {$9000.00} Monthly Payment : {$0.00} Past Due Amount : {$9000.00} Late Payments : XXXX Payment History : Not Available Status : Collection/Charge-off Reporting Agency : Experian Dispute Basis : No late payments are recorded ( XXXX ), yet the account is listed as a charge-off, which is contradictory. Charge-offs typically result from significant delinquencies ( XXXX XXXX XXXX XXXX ). 

The last activity date matches the open date ( XX/XX/XXXX ), indicating no payment activity and no verified debt aging process. 

The account shows no payment history or terms, making it unverifiable and incomplete as required by FCRA 1681s-2. 

The account is reported as Dispute Resolved Consumer Disagrees, which under FCRA 1681i ( b ) and 1681s-2 ( b ), triggers a requirement for reasonable investigation, yet no supporting documents or resolution evidence has been made available. 

If XXXX XXXX XXXX is acting as a debt collector, they are obligated under FDCPA 809 ( 15 U.S.C. 1692g ) to validate the debt upon dispute and under 1692e ( 8 ) to refrain from reporting unverifiable or misleading information to credit reporting agencies. 

Legal Provisions Cited : Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) : Duty to furnish accurate and complete information.

1681s-2 ( b ) : Duty to investigate and correct inaccurate information once a dispute is filed.

1681e ( b ) : CRA must ensure maximum possible accuracy.

1681i ( a ) ( 5 ) : If the information can not be verified, it must be deleted.

Fair Debt Collection Practices Act ( FDCPA ) : 1692g ( b ) : Requires collectors to validate the debt and cease collection until validated.

1692e ( 8 ) : Prohibits furnishing false or misleading credit information, including failing to indicate a debt is disputed. 

Requested Action : I respectfully request that the CFPB : Investigate the accuracy and legal compliance of the reporting practices by XXXX XXXX XXXX. 

Require validation and documentation of this alleged debt, including the original signed agreement, breakdown of charges, and assignment history if the debt was sold. 

Direct Experian and the furnisher to remove the tradeline if the information is unverifiable, incomplete, or inconsistent with FCRA standards. 

This inaccurate and outdated account is harming my credit and fails to meet the legal standards set forth by federal law. I appreciate your help in resolving this matter.

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