Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, This is a formal complaint against Experian for their repeated, willful, and damaging violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and XXXX  XXXX XXXX laws. 
I have submitted over XXXX disputes regarding materially inaccurate and outdated reporting of my XXXX XXXX  account XXXX which was charged off in early XXXX and fully paid in XX/XX/XXXX. Despite clear documentation and legal obligations under FCRA 611 ( a ) and 623, Experian refuses to correct the following violations : Key Violations : 1. Illegal Re-Aging of XXXX : Account was charged off in XX/XX/XXXX with XXXX in XX/XX/XXXX. 
However, Experian falsely reports XXXX as of XX/XX/XXXX, which is after I paid the full balance in XX/XX/XXXX. 
This misrepresents my payment history and extends the derogatory reporting window, violating FCRA 623 ( a ) ( 5 ) and the Metro 2 standard on charge-off chronology 2. Continued " CO '' Reporting After Payment : The account continues to show monthly charge-off notations ( " CO '' ) through late XXXX, even after full payment. 
This violates Metro 2 guidance that " CO '' codes must cease once the account is paid/resolved.

3. Failure to Investigate Under 611 ( a ) : 5 I provided all supporting evidence : DOFD, payment confirmation, and screenshots of Experians own reporting inconsistencies.

Despite this, Experian responded only with Verified and Updated an outcome that shows no meaningful reinvestigation occurred.

4. Ignored CFPB Complaint for Over 45 Days : My formal complaint was submitted to CFPB on XX/XX/XXXX ( CFPB XXXX : XXXX ). 
As of XX/XX/XXXX, no resolution has been provided. Experians failure to respond timely is an independent violation of CFPB complaint-handling expectations. 
XXXX. Violation of XXXX  Revised Code XXXX et seq. ( CSPA ) : As an XXXX  resident, I invoke protections under the XXXX  Consumer Sales Practices Act, which prohibits unfair, deceptive, and unconscionable practices in consumer transactions.

Experians willful inaction, contradictory statuses, and refusal to correct documented falsehoods qualifies as unfair conduct and inflicts real harm on my 6 ability to obtain credit, employment, or housing.

6.Omission of Payment History and False XXXX XXXX XXXX XXXX : I submitted XXXX personal checks to XXXX from XX/XX/XXXX through XX/XX/XXXX, totaling the full balance owed. These payments were cashed and cleared. However, Experians credit report Fails to show any record of payments made, violating 607 ( b ) of the FCRA ; Falsely reports CO ( Charge-Off ) in XXXX and XX/XX/XXXX, when the account was clearly being paid ; Misleads creditors by omitting resolution progress and fabricating continued default.

This conduct not only contradicts FCRA but also violates XXXX  Revised Code 1345.02 ( B ) ( 1 ) and ( B ) ( 5 ), as it constitutes : The representation that the account was not resolved when it was ; The failure to disclose material facts ( ongoing payments ) ; An unconscionable act under XXXX Consumer Sales Practices Act, as it distorts my creditworthiness while payments were being made in good faith.

Harm : Experians refusal to take accountability after nearly a year of documented efforts has severely affected my creditworthiness and mental wellbeing. It is impossible to engage in fair financial activity when such a major bureau actively withholds corrections despite legal mandates and consumer-provided evidence.

Requested Relief : Immediate deletion of the XXXX account from my Experian credit file.

Full confirmation in writing within 15 calendar days.

If not resolved, I will proceed with complaints to the XXXX  Attorney General, FTC, and will consider legal action under FCRA 616 and ORC 134
5.09 ( B ).

Escalation and Legal Action Despite my repeated, good-faith efforts including over XXXX formal disputes and a pending complaint submitted to the CFPB on XX/XX/XXXX Experian continues to report knowingly false, incomplete, and damaging information, while ignoring legally submitted documentation and federal dispute resolution timelines. 
At this point, I have exhausted reasonable consumer channels and dispute processes. I am left with no choice but to initiate formal escalation. Accordingly : This complaint, and all related documentation, will be referred to the Federal Trade Commission ( FTC ) and the Ohio Attorney Generals Office for further regulatory review; I am in the process of retaining legal counsel to pursue compensatory and statutory damages under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681n and 1681o ) and the XXXX  Consumer Sales Practices Act ( XXXX XXXX ) ; If necessary, I will file a civil action in state or federal court, seeking remedies including actual damages, punitive damages, and attorneys fees.

Experians pattern of willful noncompliance and negligence has had a material impact on my life and creditworthiness. I expect this matter to be resolved immediately and fully. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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