Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the current status and comments on my credit report regarding the account referenced above, which has been marked as a " charged-off '' account. This account is still being actively collected on by the XXXX XXXX XXXX which is not in compliance with the applicable laws and regulations. A {$1000.00}, payment was made between XXXX 2025 and a ongoing agreement for $ 200 monthly until account is paid IN FULL. As a result, I request that the " charged-off '' status be removed immediately from my credit report.

1. Violation of Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, once an account is charged off by the original creditor, the creditor may report it as " charged off, '' but this status should not remain active if the debt is still being actively pursued by the creditor or collection agency. When an account is " charged off, '' it is generally understood as a financial loss for the creditor, and the creditor must cease further reporting of that status if they continue to collect on the debt.

The continued reporting of the " charged-off '' status while actively collecting on the debt is misleading and inaccurate. This practice violates 15 U.S.C. 1681e ( b ) of the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date.

2. Violation of Fair Debt Collection Practices Act ( FDCPA ) The Fair Debt Collection Practices Act ( FDCPA ) also addresses the issue of a creditors collection practices, and 15 U.S.C. 1692e prohibits false or misleading representations in connection with the collection of a debt. Reporting a " charged-off '' account while actively collecting on the debt is a misrepresentation of the account 's current status and can potentially mislead other parties viewing the credit report. This is in violation of the FDCPA, as it constitutes an unfair or deceptive practice.

3. Request for Immediate Correction and Removal It is unlawful for the creditor to continue to mark this account as " charged-off '' while it is still being collected on. I request the immediate removal of the " charged-off '' status from my credit report and the correct reporting of the current status of the account, reflecting that the account is actively being collected. The continued reporting of this account as " charged off '' is misleading and damages my creditworthiness.

4. Threat of Legal Action if Issue is Not Resolved Please note that if this matter is not resolved within 30 days, I will be forced to take further action, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Reporting the matter to the Federal Trade Commission ( FTC ) for violation of the FCRA and FDCPA.

Seeking legal counsel to pursue damages for inaccuracies reported on my credit file, including filing suit for any damages incurred under the FCRA ( 15 U.S.C. 1681n ) and the FDCPA ( 15 U.S.C. 1692k ).

Under the FCRA and FDCPA, I am entitled to the accurate representation of my credit information, and the failure of the creditor or credit bureau to correct this error in a timely manner could result in legal and financial consequences.

5. Request for Confirmation Please confirm in writing that the charge-off status has been removed and replaced with accurate information reflecting the current collection status. I also request that the creditor/collection agency cease reporting this account as charged off and update the account status as " currently being collected on. ''

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