Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Subject : Formal Demand for Removal of Inaccurate and Outdated Account Information and Notice of Noncompliance with FCRA To Whom It May Concern, I am writing to formally address the failure of Experian to conduct a meaningful and compliant reinvestigation regarding my dispute of the XXXX XXXX account ( Account Number XXXX ) as referenced in CFPB Case # XXXX dispute. 

Experians response, which closed this dispute without proper resolution, exemplifies a sham reinvestigation that violates the Fair Credit Reporting Act ( FCRA ). They closed the CFPB case and did not complete a full re investigation and also left inaccurate and errors on my report. 

Disputed Account Information Creditor Name : XXXX XXXX Account Number : XXXX Status : Paid, Closed Charge-Off Amount : {$40000.00} Original Balance : $ XXXX, XXXX Term : 360 months Specific Issues with the Reported Information Inaccurate and Contradictory Payment History The account reflects charge-off statuses in XXXX and XX/XX/XXXX, which are inconsistent with the account being marked as " Paid, Closed. '' There is also no history of payments for all prior years. We are in XXXX? this account is outdated and pass stature of limatations and should not be on my credit report. 
Payment history shows several errors and discrepancies between XXXX and XX/XX/XXXX, further undermining the accuracy of the reporting. The data seems incomplete and there was no updates for several years. 

There are misleading Status on the account and misleading comments.

There is misleading status of " Charge-Off '' Status Post-Settlement The account status indicates the debt was settled with a significant portion written off ; however, the report continues to show " Charge-Off '' entries even after the account was paid. This is both inaccurate and misleading to creditors. 

Under 15 U.S.C. 1681s-2 ( a ), data furnishers and credit reporting agencies are required to ensure that reported information is accurate and complete. The continued reporting of " Charge-Off '' without reflecting the settlement terms is a violation of this statute.

The Georgia statute of limitations on written contracts is six years ( O.C.G.A. 9-3-24 ). The debt originated in XX/XX/XXXX and was settled in XX/XX/XXXX. Continued negative reporting of this account is beyond the statute of limitations and is unlawful under the FCRA. 

In response to my CFPB complaint, Experian failed to conduct a meaningful reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Instead, Experian : Merely forwarded my dispute to the data furnisher, relying entirely on their unverifiable response.

Did not independently verify the accuracy or completeness of the disputed information.

Closed the dispute with a generic explanation that did not address the specific inaccuracies or legal violations I outlined.

This failure to ensure the maximum possible accuracy of the information on my credit report, as mandated by 15 U.S.C. 1681e ( b ), has caused significant harm to my creditworthiness and financial well-being. 

Given the ongoing inaccuracies and Experians failure to comply with the FCRA, I formally demand the following actions : Immediate Deletion of the XXXX XXXX Account : The account must be permanently removed from my credit report due to its inaccurate, incomplete, and unverifiable nature. 

If this is not deleted please provide me documentation of the steps taken during your reinvestigation, including all correspondence with the data furnisher, the evidence provided, and Experians internal review processes. 

Notice of Escalation If Experian fails to comply with this demand within 15 days, I will take further actions, including but not limited to : Filing additional complaints with the FTC, and my state attorney generals office. 
Pursuing legal remedies for damages caused by Experians noncompliance with the FCRA. 
I trust that Experian will address this matter promptly to avoid further legal or regulatory consequences. 

Sincerely,

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