Consumer complaint received 2025-04-28 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:
Dear CFPB, Subject : Dispute of Credit Report Inaccuracies Related to XXXX Card Account I am writing to formally request the Consumer Financial Protection Bureau 's assistance in resolving inaccuracies on my credit reports from Experian, TransUnion, and Equifax concerning my XXXX Card account. 

Background : The account in question is reported under the following details : Account Number : [ partially redacted for privacy ] Account Type : XXXX XXXX XXXXXXXX XXXX XXXX  Account Status : Derogatory, Charged Off Balance : {$46000.00} Credit Limit : Discrepancies between reports ( {$37000.00} and {$0.00} ) High Credit : Discrepancies between reports ( {$46000.00} and {$0.00} ) Issues : Inconsistencies Across Reports : The Equifax report shows an available credit as a negative number, which indicates an error in calculation or reporting. 
Although the balance and credit limit are consistent, there are discrepancies in how the account status and historical data are reported across Experian, TransUnion, and Equifax. 
Derogatory Status : All reports indicate the account is charged off, affecting my credit score negatively. 
The account has been marked as derogatory for an extended period, with no resolution despite disputes. 
Impact on Creditworthiness : These inaccuracies have resulted in a derogatory status that negatively affects my credit score and financial opportunities. 

Violations of Federal Laws : Based on my review, the credit reporting agencies are in violation of the following provisions under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.

1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 
Actions Taken : I have previously disputed these inaccuracies directly with the credit reporting agencies, providing supporting documentation and requesting corrections. Despite these efforts, the discrepancies and derogatory marks persist. 

Request for Assistance : I am seeking the CFPB 's intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and rectify these inaccuracies. Specifically, I request : Investigation : A thorough investigation into the procedures used by Experian, TransUnion, and Equifax to verify the disputed information. 
Correction : Prompt correction of any inaccurate or unverifiable information. 
Guidance : Advice on further steps I can take if these issues remain unresolved. 
Attachments : I have included copies of my credit reports from the credit reporting agencies and relevant sections of the FCRA. 

I appreciate your attention to this matter and look forward to your assistance in ensuring my credit reports accurately reflect my financial history. 

Thank you for your time and consideration.

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