Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I have received your computer-generated response. I am upset that experian have FAILED to properly verify the information on the account. 

I am writing to formally file a complaint regarding Experians handling of my recent credit dispute involving an account from XXXX XXXX XXXX ( Account Number : XXXX ). Despite disputing the accuracy of this account, Experian has claimed it was verified as accurate. However, there are clear inconsistencies in the reporting of the account, which suggests Experian failed to properly investigate my dispute in compliance with federal consumer protection laws. 


-Recent Payment vs. Charged-Off Status : The account reflects a " recent payment '' of {$900.00} made on XX/XX/XXXX, yet it continues to be reported as " charged off '' from XXXX through XXXX. A payment should have been reflected in the account status, which remains unchanged. 

-Balance and Charge-Off Contradiction : The account lists a current balance of {$5100.00} ( as of XX/XX/XXXX ) while also reporting that {$17000.00} was written off. 

This raises questions/concerns about how both amounts can coexist, as a charged-off account balance should reflect {$0.00} unless interest or fees were specifically documented. 

-Status Updated Date : The accounts status was last updated in XX/XX/XXXX, yet payment activity in XX/XX/XXXX was ignored. This inconsistency undermines the accuracy of the reported timeline. 

Payment History Errors : The payment history inaccurately shows a continuous charge-off status ( " CO '' ) from XXXX through XXXX, without any acknowledgment of the {$900.00} payment made in XXXX. 

-Highest XXXX XXXX : The account does not include any reported " highest balance, '' which is typically required. This omission further calls into question the accuracy of the reporting. 

-Concerns with Experians Verification Process : Failure to Validate Information : If Experian XXXX a proper investigation, these glaring inconsistencies would have been corrected. I am requesting documentation that demonstrates the validation methods Experian used to verify the accuracy of this account. 
Violation of Consumer Protection Laws : Experian 's handling of my dispute appears to be in violation of the Fair Credit Reporting Act ( FCRA ), particularly : Section XXXX ( a ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information. 
Section XXXX ( a ), which mandates that consumers have the right to know how disputed information was verified. 
Request for XXXX : I respectfully request the following actions be taken immediately : Provide detailed documentation of the investigation conducted, including the methods and evidence used to verify the accuracy of this account. 
Correct or remove the account from my credit report if it can not be properly verified. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the legally required timeframe!

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