Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I am submitting this correspondence to formally dispute the inaccurate reporting of my XXXX  XXXX account ending in XXXX, which currently reflects a charge-off with a listed balance of {$2600.00}, an opening date of XX/XX/XXXX, and a last payment date of XX/XX/XXXX. This information is materially misleading, incomplete, and does not accurately represent the true history of this account. Over the years, I have responsibly managed this account, including maintaining communication with the creditor and ensuring payments were completed in accordance with the terms provided. The transition from an active account with regular activity to an abrupt and unsupported charge-off notation appears to be the result of an internal reporting error or a failure in data verification between the furnisher and the reporting agency. There has never been any written notice, billing statement, or communication from the creditor indicating that the account was charged-off, nor any documentation informing me that the balance had been accelerated or transferred into a loss category. Such a severe derogatory status can not be assumed or defaulted into the system without proper substantiation. Under FCRA 607 ( b ), all parties involved in credit reporting are required to follow reasonable procedures to assure maximum possible accuracy. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) specifically prohibits furnishers from reporting information that they know, or should reasonably know, is inaccurate. Because the information currently being reported does not align with my account history or payment records, I am requesting a full reinvestigation. This reinvestigation should include direct verification with XXXX XXXX, written documentation supporting the reported balance, all payment history surrounding the alleged charge-off period, the date the creditor claims the account was charged-off, and verification that the reporting complies with federal credit reporting procedures. If the creditor can not produce verifiable, documented proof supporting this charge-off and the balance reported, the information must be corrected immediately to reflect the accurate status of the account.

I am also disputing the reporting of a second XXXX  XXXX account ending in XXXX, listed with a balance of {$7300.00}, opened on XX/XX/XXXX, and last payment dated XX/XX/XXXX, which is also being reported as a charge-off. This account was previously reported with multiple late payments and was later transitioned into a charge-off status without proper notice, verification, or supporting evidence. My personal records do not show any documentation from XXXX XXXX indicating that this account was charged-off, placed into loss status, or terminated for nonpayment. The reporting of this account as a charge-off appears inconsistent with earlier entries and does not follow any recognizable timeline of delinquency that would justify such a designation. Reporting an account as a charge-off carries significant consequences and must be supported by complete and accurate documentation. Under FCRA 611 ( a ) ( 1 ) ( 5 ), I have the right to dispute any information that is incomplete, unverifiable, or inaccurate, and I have the right to request a reinvestigation to ensure that the information reflects maximum possible accuracy. This account 's reporting fails to meet those standards. I am requesting a detailed reinvestigation, including written verification directly from XXXX XXXX showing the exact date the creditor classified the account as charged-off, the balance calculation used to determine the amount reported, a full breakdown of all payments, activity, and communication from the months leading up to the alleged charge-off, and the procedures followed when the account was assigned this derogatory status. If the creditor can not provide complete and verifiable proof to support the charge-off designation, then the information must be updated to accurately reflect the true and lawful standing of the account.

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