Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Clarity, a specialty consumer reporting agency, for failing to address my XX/XX/XXXX, dispute, providing an inadequate response to my prior CFPB complaint ( XXXX ), and violating the Fair Credit Reporting Act ( FCRA ). Their inaction continues to cause me significant harm, including a XXXX point credit score drop, loan denials, and inability to refinance my mortgage. 
Details of My Original Dispute : On XX/XX/XXXX, I mailed a dispute letter to Clarity via certified mail with return receipt, including my passport as government-issued identification and an electric bill as proof of address. I disputed XXXX inaccurately reported accounts appearing on XXXX, Experian, and XXXX  : Account XXXX : Original Creditor : XXXX XXXX XXXX  ( as listed on XXXX bureau ). 
Date Opened : XX/XX/XXXX. 
Balance : {$18000.00}. 
Status : Closed, reported as Charged Off with remarks like PROFIT AND LOSS WRITEOFF or UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR. 
Last Verified : XX/XX/XXXX. 
Issue : No documentation ( e.g., contract, payment history, assignment notice ) verifies the {$18000.00} balance. 

Account XXXX : Original Creditor : XXXX XXXX XXXX ( as listed on XXXX bureau ). 
Date Opened : XX/XX/XXXX. 
Balance : {$0.00}. 
Status : Transferred/Closed, reported as Charged Off or PURCHASED BY ANOTHER LENDER. 
Last Verified : XX/XX/XXXX, to XX/XX/XXXX. 
Issue : A {$0.00} balance can not be Charged Off, and the status is contradictory and unverified.

I demanded : Immediate deletion of both accounts from all credit reports. 
Method of verification for all reported fields. 
Proof of the {$18000.00} balance. 
Proof of permissible purpose for reporting. 
Updated credit reports from all three bureaus. 
A written response within XXXX  days, as required by 15 U.S.C. 1681i ( a ). 

XXXX Failure to Respond : As of XX/XX/XXXX, XXXX has not : Provided a written response to my XX/XX/XXXX dispute. 
Deleted or corrected either account. 
Supplied verification documents ( e.g., contract, payment history, assignment notice ). 
Their inaction violates : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation within XXXX  days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information. 

XXXX Inadequate Response to Prior CFPB Complaint : In response to my prior CFPB complaint ( XXXX ), XXXX XX/XX/XXXX, reply claims my complaint does not appear to have been sent directly by me or to be authorized. This is baseless. I personally sent the original dispute via certified mail with return receipt and filed the CFPB complaint, providing the last XXXX digits of my Social Security number ( XXXX ) as required by the CFPB portal. My passport and electric bill, included in the original dispute, meet XXXX identification and address requirements. XXXX response : Fails to address the inaccuracies or provide verification. 
Does not acknowledge my original dispute letter or return receipt. 
Mentions the Credit Repair Organization Act, which is irrelevant as I am acting independently, not through a credit repair company. 

New Information Provided : To address XXXX request for additional information, I am resubmitting my dispute directly to them, including : My full Social Security number My date of birth Addresses for the past XXXX years Copies of my passport and an updated XX/XX/XXXX electric bill showing my name and current address. 
However, XXXX failure to act on my original dispute, which included sufficient identification ( passport and electric bill ), is a clear FCRA violation. Their XX/XX/XXXX response appears to be a delay tactic, as they have not addressed the inaccuracies or the harm caused. 

Harm Caused : The inaccurate accounts have : Dropped my credit score by over XXXX points. 
Caused multiple loan denials. 
Prevented me from refinancing my mortgage. 

Requested Actions : I request that the CFPB : Order Clarity to immediately delete both disputed accounts from all credit reports ( XXXX, Experian, XXXX  ). 
Provide written investigation results to me. 
Impose civil penalties for XXXX willful non-compliance with FCRA. 
Ensure XXXX acknowledges my original dispute and processes my resubmitted dispute promptly.

Company response to consumer: Closed with explanation