Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Arizona, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Request for XXXX Account Request for Immediate Deletion Due to Inaccuracies Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information being reported on my credit file under the account name XXXX, account number ending in XXXX. After reviewing my credit report, I have identified multiple inconsistencies in the information being reported, and I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following are the specific inaccuracies and violations : XXXX. Inconsistent Date Opened : Experian reports the account as opened on XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. This discrepancy negatively impacts the accuracy of my credit profile and violates 15 U.S.C. 1681e ( b ). 
XXXX. Account Status and Comments Conflict : The account is labeled as both Collection/Chargeoff and Account Transferred or Sold. This is contradictory. Once an account is transferred or sold, the original furnisher should not continue reporting it as a charge-off. 
The comment Charged off account Account transferred or sold conflicts with FCRA requirements to report information that is both complete and not misleading. If the debt has been transferred, then reporting a charge-off balance by the original creditor is misleading and must be corrected or removed. 
XXXX. XXXX XXXX : A balance of {$0.00} is listed, yet the account remains derogatory and labeled a charge-off. If the balance is XXXX and the account was sold, there should be no derogatory status or ongoing reporting by the original creditor. 

FCRA Violations : 15 U.S.C. 1681i grants me the right to dispute inaccurate or incomplete items on my credit report.

15 U.S.C. 1681s-2 ( b ) requires the data furnisher to investigate and either correct or remove any item that is inaccurate or unverifiable.

15 U.S.C. 1681n holds furnishers and credit reporting agencies liable for willfully continuing to report inaccurate information after notice of dispute. 

This account is causing significant and unjust harm to my credit file. Therefore, I formally request that Experian : XXXX. Immediately delete the XXXX account from my credit file. 
XXXX. Send written confirmation of the deletion. 
XXXX. Provide an updated copy of my credit report reflecting the changes. 

Please treat this as a formal dispute. Under FCRA guidelines, you are required to complete a thorough reinvestigation within XXXX  days. If the account can not be fully verified and corrected with XXXX  % accuracy, it must be deleted. 

Sincerely, XXXX 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