Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX Bank ( XXXX ), XXXX. 
Attn : Credit Bureau Disputes Department Re : Response to CFPB Correspondence / Credit Reporting Dispute Accounts Ending in XXXX and XXXX Dear XXXX  XXXX Representative, I am writing in response to your recent correspondence regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. I appreciate your reply, but I must respectfully disagree with several points in your findings. 
Account Ending in XXXX You stated that XXXX XXXX confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ). If that is accurate, please provide written confirmation that this account has been permanently deleted from all CRAs files and will not be reinserted in the future. 
Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), once an account is determined to be unverifiable or no longer being reported, the furnisher must cease reporting and ensure deletion from all applicable credit files. Please also confirm whether XXXX XXXX has sent deletion instructions to all major bureaus ( Equifax, Experian, and TransUnion ). 
Account Ending in XXXX You state this account was correctly charged off on XX/XX/XXXX, and continues to report accurately to Experian. However, based on my records, this account was paid in full prior to charge-off and should not have been classified or reported as such. If XXXX XXXX maintains otherwise, please provide documented verification supporting your claim, including : 1. A complete payment history for this account ; 2. The final balance due at the time of charge-off ; 3. Evidence that XXXX XXXX properly credited all payments ; and 4. Any documentation used to validate that the charge-off status is accurate. 
If XXXX XXXX can not provide full verification as required under FCRA 623 ( a ) ( 1 ) ( A ), this information must be corrected or deleted immediately. Continuing to report unverifiable or inaccurate data constitutes a violation of the Fair Credit Reporting Act and may result in further regulatory or legal action.

Please treat this as a formal request for reinvestigation and provide written confirmation of all corrective actions within 30 days of receipt of this letter, as required under federal law. 
Thank you for your prompt attention to this matter. I expect a full written response detailing the status of both accounts and any updates provided to the credit reporting agencies. 
Sincerely, XXXX XXXX Relevant FCRA Citations : 15 U.S.C. 1681s-2 ( b ) : Requires furnishers of information to investigate disputed information and correct any inaccuracies found.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits the reporting of information known or believed to be inaccurate.

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