Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate and Unverified Credit Reporting Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$20000.00} To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and inconsistent credit reporting on the above-referenced account. 

XXXX. Background and Inconsistencies This account was previously investigated and deleted by TransUnion, but has since been reinserted without proper notification or reinvestigation, violating FCRA 611 ( a ) ( XXXX ) ( B ). 
Experian and Equifax report this account as : Charged off {$20000.00} written off {$20000.00} past due Closed These terms are internally contradictory and misleading. A charged-off account should not simultaneously report as past due, and the written-off amount should not equal the full balance if payments or settlements have occurred. 
I received a collection letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which stated they were collecting on behalf of XXXX XXXX. After I demanded debt validation, they responded that the account is closed and no further collection would be pursued. This confirms the debt is not currently collectible and further undermines its status as past due or active. 

2. FCRA Violations FCRA 607 ( b ) : Data furnishers must maintain reasonable procedures to ensure maximum possible accuracy of credit information. The inconsistent statuses and contradictory terms violate this provision.

FCRA 611 ( a ) : Consumers have the right to dispute inaccurate information. The reinsertion by TransUnion without proper notification also violates this section.

FCRA 623 ( b ) : Data furnishers must promptly investigate disputes and report accurate information. Reporting this account as charged off, past due, and written off without debt validation violates this rule.

FCRA 809 ( FDCPA ) : The debt collector failed to properly validate the debt within 30 days and acknowledged the account is no longer in collection. This should have triggered a full removal from all credit reports.

3. Requested Action Immediate deletion of this account from all three credit bureaus ( Experian, Equifax, and TransUnion ). 
Written confirmation of the deletion or complete and verified reinvestigation with accurate updates. 
Notification to all parties who accessed my report in the last 6 months of the updated/corrected status, as required under FCRA 611 ( d ).

4. Penalties and Enforcement Violations of the FCRA may result in statutory damages of up to {$1000.00} per violation, as well as punitive damages and attorney fees under 15 U.S.C. 1681n and 1681o. 

Please investigate this complaint and take immediate corrective action. If not resolved promptly, I am prepared to escalate this matter through legal counsel or additional regulatory filings.

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