Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I do not agree with the results of this investigation. Please remove XXXX XXXX Account XXXX from my credit report as it continues to reflect inaccurate information on my credit profile. I expect the bureaus to report 100 % completely accurate information on my report prior to publishing anything on my report but this has not been the case. Because I trust that the bureaus conducted a fair and complete investigation prior to placing anything on my report, I have then asked for a reinvestigation to be conducted to review this account and I have been failed once again. I have then asked for a formal dispute to be conducted and still experian is refusing to remove this account from my report for violating my consumer rights and doing so maliciously now which is intentionally harming my reputation because of their neglect and failure to conduct a proper investigation. This account continues to report a charge-off for the month of XX/XX/year> as seen in the document provided directly from Experian which displays the Before and After results of the formal dispute that was conducted in XX/XX/year>. Upon completion of their investigation they have knowingly and neglectfully continued to report inaccurate information on my file. This account was paid in full in XX/XX/year> but yet it continues to reflect a charge-off date for the month of XX/XX/year> and XX/XX/year>. Experian has been given multiple chances to correct this and has chosen to continue to report false information which now suggest they are above the FCRA laws that are in place to protect consumers from unfair credit reporting practices. Not only do they continue to violate these laws they are suggesting they do not care for the rights of consumers. Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or reasonably should know is inaccurate. Multiple investigations have been completed and a formal dispute was brought to their attention and they continue to practice unfair credit reporting. Please provide me with the transcripts of the call and names of who was spoken to in order to verify this information that is being furnished on my credit report. This account was listed as charged off and yet XXXX XXXX never reported this account being sold to another debt collector in which they continued to report charge off status and the debt collector XXXX XXXX XXXX was collecting this debt on their behalf. I called XXXX XXXX to try and resolve the debt with them myself but was denied the right to settle the debt with them because XXXX XXXX XXXX purchased this debt and was collecting on this. This debt has then been legally settled and yet this company continues to report a charge off status. The information is materially misleading and this inconsistency fails the FCRAs requirement under 1681e ( b ) that consumer reporting agencies maintain maximum possible accuracy. Please delete this account from my credit report or I will be forced to litigate as we are now playing a dangerous game in which we can manipulate consumers credit report to intentionally harm their reputation in the eyes of creditors. I demand this account be deleted as the companies reporting this information has failed to conduct a reasonable and fair investigation multiple times which is consistently violating FCRA laws and reporting. I will need this account deleted from my Transunion and Experian credit report immediately.

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