Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding their reporting of an XXXX XXXX Bank account number XXXX on my credit reports. Despite the account being inaccurate and disputed, the credit bureaus have failed to remove or accurately report the account. Additionally, I have received stalling letters from the bureaus, preventing any meaningful resolution. 

Account Overview The account in question is listed as a charged-off XXXX XXXX Bank credit card. Below are the key inaccuracies identified in the reporting by the credit bureaus : XXXX : XXXX the account as charged off with a balance of {$500.00}. 
Indicates a last activity date of XX/XX/XXXX, yet reports XX/XX/XXXX as a date for late payments, which is impossible. 
States Account Information Disputed by ConsumeXXXX but fails to address the dispute meaningfully or provide proof of a reinvestigation. 

XXXX : Reports a balance of {$500.00} with a credit limit of {$800.00} but inconsistently reports payment history. 
Falsely claims the last activity was XX/XX/XXXX, with a payment delinquency history that is not supported by any evidence. 
Fails to verify the accuracy of the information as required by FCRA. 

Experian : Lists the account as a charge-off with a balance of {$500.00}. 
Inaccurately reports the last activity as XX/XX/XXXX, yet payment history contradicts the claimed timeline. 
Includes remarks such as Unpaid Balance Reported As A Loss By XXXX XXXX, further perpetuating inaccuracies. 
Violations of the Fair Credit Reporting Act ( FCRA ) The actions of XXXX, XXXX, and Experian violate several FCRA provisions, including but not limited to : FCRA Section 611 ( Reasonable Reinvestigation ) : The credit bureaus failed to conduct reasonable reinvestigations into my dispute, as evidenced by their continued reporting of inaccurate information. 
FCRA Section 623 ( Accuracy of Information ) : The bureaus have not ensured that the information being reported is accurate or complete, as required under this section. 
Failure to Provide Proof of Reinvestigation : None of the bureaus have provided documentation of their reinvestigation efforts, such as the sources consulted or an explanation of how the disputed information was verified. 
Failure to Reflect Disputed Status : The disputed status is not consistently noted or flagged across the bureaus during reinvestigation. 
Reporting Impossible Dates : XXXX and XXXX have reported fictitious dates ( e.g., XX/XX/XXXX ), demonstrating a lack of accuracy and diligence. 
My Formal Requests I respectfully request the CFPB to take immediate action to address these violations and require the following from XXXX, XXXX, and Experian : Immediate Removal of the XXXX XXXX Bank Account : The account must be deleted from my credit reports across all three bureaus due to the inaccuracies and inconsistent reporting. 
Proof of Reinvestigation : Provide detailed documentation of the reinvestigations conducted, including : The name of the data furnisher and all sources consulted. 
An explanation of how the disputed information was verified. 
A summary of any changes made as a result of the reinvestigation. 
Compliance with FCRA Standards : Ensure all future reporting is accurate, complete, and reflective of any disputes submitted by consumers. 
End to Stalling and Sham Investigations : Hold all three bureaus accountable for their stalling tactics and sham investigations, ensuring they adhere to proper procedures when handling disputes. 
Conclusion The repeated inaccuracies, lack of transparency, and failure to conduct proper reinvestigations by XXXX, XXXX, and Experian are unacceptable. These violations not only harm me personally but also reflect systemic issues that must be addressed to protect consumers. 

I urge the CFPB to take swift and decisive action to hold these credit bureaus accountable. I have attached supporting documentation, including screenshots of the inaccuracies on my credit reports, for your review. 

Thank you for your attention to this matter. Please feel free to contact me for additional information or clarification.

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