Consumer complaint received 2025-10-20 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 : Second Formal Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account # XXXX To Whom It XXXX Concern, I am writing to follow up on my initial dispute regarding the inaccurate and misleading reporting of the XXXX XXXX account XXXX # XXXX ), which continues to appear on my credit reportsmost notably with Experian. 
Despite my previous correspondence, the account continues to be reported as a charge-off on a monthly basis, which is both factually incorrect and in violation of federal credit reporting standards. As previously stated, a charge-off is a one-time event and not a status that should be reapplied each month.. 
This reporting practice is : Misleading to current and future creditors, Inflating the delinquency 's recency, and Causing undue harm to my credit profile. 
This continued reporting contradicts : The Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 et seq ], which mandates accurate reporting, The XXXX XXXX reporting format, which clearly states that a charge-off is a singular, final XXXX a recurring status, And guidance from the Consumer Financial Protection Bureau XXXX CFPB ) regarding the prohibition of re-aging debts and the expectation of fair, consistent, and truthful reporting. 
I am formally requesting the following : XXXX. Immediate correction of the reporting to reflect a single, accurate charge-off date. 
XXXX. If this can not be done in full compliance with the FCRA and XXXX XXXX standards, then I request the complete deletion of this account from all consumer reporting agencies. 
XXXX. A written response indicating the outcome of your re-investigation, as required under the FCRA. 

XXXX also requesting the following information : XXXX. The method of verification used to validate this charge-off account. 
XXXX. The name and contact information of the person or entity you spoke to during the verification process. 
XXXX. The date and time when this verification occurred. 
XXXX. All supporting documentation provided to substantiate the accuracy of this charge-off. 

Furthermore, after this letter, if the problem is not corrected I will be contacting my XXXX XXXX Attorney XXXX as well as filing legal complaints about these unlawful reporting practices with proof of tracking and evidence of correspondence of you violating XXXX Reporting Format and 15 U.S. Code 1681 et seq. 

Please respond within 10 days of receipt of this letter. Again, I am retaining records of all correspondence for future reference and potential legal action if this matter is not resolved in compliance with federal law. 

Thank you for your immediate attention to this matter. Please consider this letter a formal reiteration of my dispute under the FCRA.

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