Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
This letter highlights the FCRA and FDCPA violations involving XXXX, Experian, XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX 

CFPB Complaint Statement Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Desired Resolution : Correction of account statuses to " Paid '' and deletion of unverified derogatory accounts. 

Complaint Against : XXXX and Experian ( Credit Reporting Agencies ) Third-Party Furnishers Involved : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Statement of Facts : I am filing this formal complaint because XXXX and Experian have failed to maintain " maximum possible accuracy '' in my credit file as required by 15 U.S.C. 1681e ( b ). Despite previous attempts to resolve these errors directly with the bureaus, the following violations persist : 1. Failure to Report Correct Account Status ( XXXX  ) : XXXX  XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently listed as " Collection / Charge-Off '' even though it shows a {$0.00} balance and is marked as " Paid ''. This is a contradictory and inaccurate reporting status that negatively impacts my credit score. 

XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX : * * This account is listed as " Collection / Charge-Off '' with a {$0.00} balance and the remark " Purchased by another lender ''. Reporting a " Charge-Off '' status on a sold debt while the balance is zero is misleading. I demand these accounts be updated to " Paid / Closed. '' 2. Reporting of Unverifiable Mathematical Errors ( XXXX ) : XXXX XXXX XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report shows a Limit of {$690.00} but an Original Balance of {$860.00}. For a secured credit card, it is impossible for the balance to exceed the limit. XXXX has failed to correct this obvious error. 

3. Failure to Validate Debt ( Experian & XXXX XXXX XXXX ) : XXXX XXXX XXXX ( Acct # : XXXX... ) : Experian marked this {$3000.00} collection account as " Verified and Updated '' on XX/XX/year>. However, the collector, XXXX XXXX XXXX, has failed to provide any physical proof or itemized validation of this debt as required by 15 U.S.C. XXXX. 

Experian is in violation of 15 U.S.C. 1681i ( a ) ( 5 ) for refusing to delete an item that can not be legally verified by the furnisher. 

Requested Action : I request the CFPB to compel XXXX and Experian to : Update the XXXX  XXXX and XXXX accounts to reflect a status of " Paid / Closed '' and remove the derogatory " Charge-Off '' labels. 

Delete the XXXX XXXX XXXX collection if they can not provide proof of debt validation to both me and the bureau. 

Correct the limit and balance discrepancies on the XXXX XXXX XXXX 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