Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Demand for Deletion and Validation Inaccurate Charge-Off Reporting ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the ongoing and inaccurate reporting of a charge-off related to the above-referenced XXXX XXXX account, which is appearing on my credit reports. I have reviewed your recent updates furnished to both XXXX and Experian, and I have found material inconsistencies and active modifications to this closed, charged-off account. These include status and balance changes reported after the charge-off, suggesting that XXXX XXXX is still actively furnishing data in violation of multiple federal consumer protection laws. 

The following items are being formally disputed : False Charge-Off Reporting Post-Balance Closure : Your XXXX report as of XX/XX/XXXX lists the balance as {$0.00} and the account as paid/charged off as bad debt as of XX/XX/XXXX. Yet, the Experian report as of today reflects a balance of {$16000.00} and indicates charge-off as of XX/XX/XXXX. This is a clear and willful inconsistency. If the account was charged off and closed with a {$0.00} balance, you are not permitted to continue updating or reporting a balance. 
Inconsistent and Manipulated Reporting Dates : It appears XXXX XXXX has updated payment history, balance, and charge-off timelines across different bureaus between XX/XX/XXXX and XX/XX/XXXX, as if the account were still open and active. This is misleading and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which prohibits the reporting of inaccurate or incomplete data. 
Failure to Cease Furnishing After Final Status : The continued modification of this account 's balance and charge-off status long after the last payment ( XX/XX/XXXX ) demonstrates that XXXX XXXX is knowingly furnishing data without permissible purpose, and without maintaining accuracy, in violation of FCRA regulations. 
You are hereby demanded to do the following : Immediately DELETE the charge-off entry and all related derogatory data from all credit bureaus ( Experian, XXXX ) XXXX 
Provide full documentation validating the legal basis for continuing to report and modify this closed account. This must include : Payment history with timestamps Charge-off confirmation and final balance documentation Internal record showing why balances changed post charge-off Proof that XXXX XXXX still owns the debt and is authorized to furnish data after writing it off and reporting it paid/closed Cease and desist from further furnishing of inaccurate information regarding this account. 
If you fail to comply within 15 days of receipt of this notice, I will take immediate legal action against XXXX XXXX for willful violations of the FCRA, and I will seek statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n. This action may also include complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. 

This is not a request it is a final demand. If you are unable to prove that the reporting is legally valid and factually accurate, you must delete the account immediately to avoid legal consequences. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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