Consumer complaint received 2025-06-17 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:
The previous response did not adequately address the dispute, and the account continues to be inaccurately reported. Enclosed is additional documentation from the furnisher, which highlights critical contradictions and supports my right to a complete and accurate reinvestigation under FCRA 611. I am disputing once more the accuracy and legality of the XXXX Bank account ( XXXX XXXX ) currently being reported on my Experian credit report. This account is listed as charged off with a {$2500.00} balance, and a XXXX string of consecutive negative notationsmost recently updated as of XX/XX/XXXX. 

This reporting is inaccurate, misleading, and in violation of : Fair Credit Reporting Act ( FCRA 605 ( c ), 611, 623, 607 ( b ) ) Truth in Lending Act ( TILA ) Metro 2 Credit Reporting Standards 1. Illegal Re-Aging of Charged-Off Account The account was charged off in XX/XX/XXXX, with no payments made since XX/XX/XXXX. 
Despite that, Experian continues to reflect monthly CO ( Charge-Off ) notations from XXXX through XXXX, artificially inflating delinquency and damaging my score.

Metro 2 prohibits furnishers from updating a charged-off account monthly unless there is new activity. No such activity occurred.

2. Inaccurate Balance Reporting The original refinanced loan was for {$1600.00}. Reporting a {$2500.00} balance reflects unlawful interest or fee accumulation after charge-off.

There has been no payment or status update since XXXX to justify this balance increase, violating TILA and Metro 2 rules on transparent balance reporting.

3. Contradictory Furnisher Communications XXXX XXXX  letters dated XX/XX/XXXX and XX/XX/XXXX contradict each other and confirm misconduct : Both letters admit the account was charged off in XX/XX/XXXX and that no payments have been made since XX/XX/XXXX. 
They also confirm the account was : o Placed with TrueAccord in XXXX o Transferred to another agency ( " XXXX '' ) in XXXX o Returned to XXXX in XX/XX/XXXX Yet, Experian continues to report XXXX XXXX as the furnisher, without noting these third-party collections or any ownership transferin violation of Metro 2s furnishing and transferred/placed coding rules.

Contradiction 1 Account Ownership XX/XX/XXXX : XXXX suggests it still owns the account. 
XX/XX/XXXX : XXXX states the account was returned to them in XXXX, implying it had been out of their possession. 
You can not assign servicing to multiple agencies for years and still claim uninterrupted ownership while continuing to furnish monthly charge-offs. 

Contradiction 2 Balance Increases Without Explanation XX/XX/XXXX : No breakdown of how balance rose to {$2500.00}. 
XX/XX/XXXX : States balance is accurate but still fails to justify or itemize the increase. 
XXXX admits no payments since XXXX, yet the balance has grown, which is only possible if post-charge-off interest or fees were addeda violation of TILA and deceptive if not transparently disclosed. 

Contradiction 3 Misuse of FCRA 7-Year Window XXXX misstates that they can report for 7 years ( possibly more ) from the charge-off. 

Reality : FCRA 605 ( c ) ( 1 ) defines the 7-year clock from the Date of First Delinquency ( DOFD ) not the charge-off date.

Metro 2 prohibits ongoing monthly CO updates years after charge-off unless new activity occurs. 
XXXX claim of possibly more than 7 years is false, misleading, and creates the illusion of active delinquency. 

4. Experian Misreporting & Compliance Failures Experians report shows a status date of XX/XX/XXXX, falsely implying recent activity. 
The XXXX, per your report, is XXXX XXXXmeaning this account is set to fall off by XX/XX/XXXX. 
More than 50 monthly CO notations have been added after charge-off, which violates : o FCRA 623 ( a ) ( 1 ) ( A ) o Metro 2 Guidelines o Furnishing standards outlined by CFPB Supervision Highlights XXXX. XXXX 's Continued Reporting Is Misleading Quoted directly from XXXX 's letters : Your account was charged off on XX/XX/XXXX ... then placed with XXXX  on XX/XX/XXXX then placed with XXXX ( another collection agency ) on XX/XX/XXXX then placed back with XXXX  on XX/XX/XXXX. 
This proves : XXXX has not serviced or collected this account since XXXX. 
The account changed hands multiple times, but no collection tradeline was ever reported. 
XXXX continues furnishing charge-off updates as if the debt is still being managed by themthis is false and deceptive. 
XXXX. Dispute History & FCRA Violations XXXX states : XXXX XXXX reporting team received XXXX indirect disputes between XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX  dispute on XX/XX/XXXX. 
Clarifications : I never claimed the account wasnt mine. I specifically disputed : o Illegal monthly re-aging o Inflated balance o Incorrect DOFD use o Missing placement/transferred notations If the data were accurate, it would not continue to change after each dispute. 
XXXX never responded to multiple direct disputes, violating FCRA 623 ( a ) ( 8 ).

They only responded to CFPB complaintsand even then, marked follow-ups as duplicate to avoid engagement.

7. Timeline Summary of Contradictions & Re-Aging Date Event XX/XX/XXXX Account opened XX/XX/XXXX Last payment made XX/XX/XXXX Presumed XXXX  XX/XX/XXXX Charged off XXXX Monthly CO notations despite no activity XXXX Placed with XXXX XXXX Transferred to XXXX, then back to XXXX XXXXXX/XX/XXXX Most recent CO update by XXXX XXXX. Summary of Reporting Violations Indicator Violation XXXX months of CO updates Illegal re-aging FCRA 623 ( a ), Metro 2 {$2500.00} inflated balance TILA no itemization, no new activity No Transferred or Placed coding Metro 2 violation Status Date = XX/XX/XXXX Misleading delinquency age 7+ year claim Misinterpretation of FCRA 605 ( c ) ( 1 ) 9. Requested Actions Under FCRA and Metro 2 compliance, I formally request the following : 1. Immediate deletion or suppression of this tradeline due to its materially inaccurate and misleading reporting.

2. Provide the full Method of Verification used for this account ( FCRA 611 ( a ) ( 7 ) ).

3. Confirm and provide the DOFD field associated with this account ( FCRA 623 ( a ) ( 5 ) ). 
4. If XXXX can not furnish corrected data or verify legal ownership, this tradeline must be removed in its entirety. 
Enclosures : XXXX  Letters dated XX/XX/XXXX and XX/XX/XXXX Copy of Experian Credit Report ( Dated XX/XX/XXXX ) Timeline of Contradictions and Violations

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