Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I am ling this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in their handling of inaccurate and outdated charge-off markings of multiple accounts on my report. I mailed dispute letters regarding my concerns on XX/XX/year>. Despite my attempts to dispute these errors directly with Experian, I have not received a response, nor have the inaccuracies been corrected. I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure compliance with federal law and to have the account removed from my credit report. I listed the affected accounts below. 

XXXX. ) XXXX XXXX - This account has been charged off, and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$950.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX XXXX XXXX XXXX XXXX  This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$900.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX XXXX This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$840.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX XXXX XXXX This account has been charged off, and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$1100.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$1000.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights. 
XXXX. ) XXXX This account has been charged off and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. 
XXXX. ) XXXX XXXX  This account has been charged off, and is being reported for multiple months as a charge-off. A charge-off is a one-time event and reporting it for consecutive months affects my credit history negatively. It is also reporting a past-due balance of {$780.00}, which should not happen if the account is charged off. Please remove this account as it violates my FCRA rights.

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