Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA Report Number : XXXX Account in Question : XXXX  XXXX XXXX Account Number XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my Experian credit file regarding an account with XXXX  XXXX XXXX XXXX account numberXXXX ). According to your report, this account shows a status of " Account charged off {$1800.00} written off, {$1800.00} past due as of XX/XX/XXXX. '' This information is inaccurate and its continued reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 61

1 and Section 623, which require consumer reporting agencies and furnishers of information to maintain maximum possible accuracy in the data they report. Here 's why this reporting is inaccurate : The dispute is unresolved : You indicate that the FCBA dispute is " resolved consumer disagrees. '' However, this does not justify continued reporting of potentially erroneous, derogatory information, especially when I have provided documentation showing discrepancies in the account history. 

Payment data conflicts with account status : The account history shows inconsistent reporting over the years and an apparent failure to properly validate the full payment history or charge-off status. This raises questions about the validity and completeness of the records being used to substantiate this derogatory status. 

No updated investigation details provided : The account history remained unchanged following your XX/XX/XXXX reinvestigation, yet no updated evidence or validation has been shared with me in accordance with the FCRAs required procedures. 

Legal Basis : Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. Under 611 ( a ), the CRA ( Experian ) must conduct a reasonable reinvestigation of any disputed information and delete or modify any information that is found to be inaccurate or can not be verified.

Requested Action : I am requesting that you : Reopen the investigation of this account with XXXX  XXXX XXXX. 

Provide me with a full description of the procedures used in your prior reinvestigation. 

Immediately delete or correct the inaccurate reporting of this account from my Experian credit report if it can not be fully verified.

Failure to correct this violation may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals Office, and seeking legal remedies for damages caused by this inaccurate reporting.

Please respond in writing within the 30-day window provided by the FCRA. I am also requesting that a copy of the corrected report be sent to me once the investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

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