Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Bank XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type : Auto Loan Account Status : Charge Off / Collection/Charge-off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$21000.00} Amount Past Due : {$21000.00} High Balance : {$30000.00} Months Reviewed : XXXX Payment History : No history is available You are simultaneously reporting this account as Collection/Charge-off with a large past due balance, while showing 0 months reviewed and no payment history available. This is internally inconsistent and fails to provide a complete, accurate, and properly documented history, which directly violates your duty of maximum possible accuracy under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ).

An account can not be accurately characterized as a serious derogatory ( charge-off/collection ) while at the same time containing no supporting payment history and XXXX months reviewed. This makes the tradeline incomplete, potentially misleading, and not reliably verifiable. 

XXXX XXXX XXXX Charged-Off Account The report shows a charged-off account with XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Type : Other Status : Charge Off / Collection/Charge-off Open Date : XX/XX/XXXX Balance : {$29000.00} High Balance : {$29000.00} Remarks : Account Information Disputed by Consumer Unpaid Balance Reported as a Loss by XXXX  XXXX Multiple entries showing open and closed statuses with the same account number, and conflicting activity dates. 
This reporting is internally inconsistent and incomplete : It appears the same alleged obligation is being reported in multiple ways, including a closed status and a separate open charge-off / collection status, both with the same balance and account number. 
You are showing Account Information Disputed by Consumer, confirming that I have previously disputed this tradeline, yet the account is still being reported in a derogatory status without evidence that a proper reinvestigation was completed. 
Under FCRA 611 ( a ), you must conduct a reasonable reinvestigation. Under FCRA 623 ( b ), the furnisher ( XXXX XXXX ) must investigate and verify any disputed information and must not continue to report information it knows or should know is inaccurate. 

XXXX XXXX Charged-Off Account The report shows a derogatory tradeline for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Type : Unsecured Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} Status : Charge Off / Collection/Charge-off Times XX/XX/XXXX Days Late : XXXX Remarks : Unpaid Balance Reported As A Loss By XXXX XXXX, Account Information Disputed By Consumer Again, your own report confirms that this account has already been disputed, yet it is still reporting multiple severe delinquencies ( XX/XX/XXXX days late ) and a charge-off without any visible, complete payment history or documentation presented to me as the consumer. 
Under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( 2 ), I am entitled to : A reasonable reinvestigation ; A full description of the procedure used to determine the accuracy and completeness of disputed information ; The name, address, and telephone number of each furnisher contacted in connection with your reinvestigation.

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