Consumer complaint received 2025-05-18 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:
The charge-off accounts listed on my credit report contain numerous inaccuracies that have not been resolved despite my five previous disputes, clearly demonstrating sham investigations and a failure to properly investigate. The following accounts require immediate removal due to these unresolved issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This account is reported as a collection account with a balance of {$420.00} past due as of XX/XX/XXXX. It is reported with terms listed as 1 month and an open status. However, this account should have been marked as closed after being charged off, as required by FCRA 605 ( a ), which mandates that charged-off accounts should be reported as closed with no remaining balance. Additionally, there is no signed agreement between myself and XXXX XXXX that justifies the terms being reported as 1 month, violating FCRA 1681e ( b ), which requires that information reported to credit bureaus be accurate and verifiable. This account has been disputed multiple times and continues to report inaccurately, violating my rights under FCRA 1681i, which requires credit bureaus to conduct a reasonable investigation and correct any inaccuracies. I request the immediate removal of this account from my credit report. 

XXXX XXXX XXXX ( Account Number : XXXX ) This account is listed as a collection account with a balance of {$3400.00} past due as of XX/XX/XXXX. It is reported with terms listed as 1 month, despite the account being charged off. It was opened in XX/XX/XXXX, and continues to report with an open status when it should be closed after charge-off, as required by FCRA 605 ( a ). The continued reporting of this account as open is incorrect and violates the reporting standards under FCRA 1681e ( b ), which demands accurate and verifiable information. Additionally, there is no signed agreement between myself and XXXX XXXX XXXX ( XXXX ) for the terms being reported, further violating FCRA 1681e ( b ). This account has been disputed multiple times, yet remains inaccurately reported. Given the repeated failures to resolve these discrepancies, I am requesting the permanent removal of this account from my credit report under FCRA XXXX. 

XXXX XXXX XXXX ( Account XXXX : XXXX ) This account is reported as a charged-off account with a balance of {$610.00}, which was written off, but it continues to be reported as open with a past-due balance. The account was opened on XX/XX/XXXX, and should have been marked as closed after charge-off, as required by FCRA 605 ( a ). The failure to report this account as closed with no balance due violates FCRA 1681e ( b ), and the incorrect open status remains despite my multiple disputes. Given the unresolved inaccuracies, I am requesting the immediate removal of this account from my credit report under FCRA 1681i, which mandates that inaccurate information must be removed after a reasonable investigation. 

XXXX XXXX XXXX ( Account Number : XXXX ) This account is reported as a charged-off auto loan with a balance of {$9600.00} past due as of XX/XX/XXXX. The account was opened on XX/XX/XXXX, and marked as charged off in XX/XX/XXXX. However, it continues to report with an open status and active balance, which is inaccurate and violates FCRA 605 ( a ). Charged-off accounts must be marked as closed and can not report an active balance. The continued incorrect reporting of an open status for this account is in direct violation of FCRA 1681e ( b ). Despite my multiple disputes, this account remains improperly reported, and I am requesting its immediate removal from my credit report, as per FCRA 1681i, which requires that inaccuracies be corrected or removed following a proper investigation.

Each of these charge-off accounts has been disputed multiple times and has failed to be accurately investigated, violating my rights under the Fair Credit Reporting Act ( FCRA ). The continued inaccuracies and reporting of these accounts as open/active when they should be marked closed with no balance, and the failure to investigate properly, are clear violations of FCRA 1681i, which mandates that credit bureaus must investigate and correct reporting errors. Given the failure to conduct proper investigations and the persistent inaccuracies, I request the immediate removal of all these charge-off accounts from my credit report, as they continue to harm my creditworthiness and violate my rights under the law.

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