Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
Notice of Dispute Continued Inaccuracies and Non-Compliance with Procedural Investigation Dear Dispute Department, I am compelled to address the persistent inaccuracies on my credit report, which remain unresolved despite my repeated efforts to correct them. After submitting both Round XXXX and Round XXXX disputes, requesting that EXPERIAN, XXXX XXXX XXXX undertake a procedural investigation into these errors, I received the results of both rounds marked as " verified, '' with no corrections made. This outcome strongly suggests that EXPERIAN, XXXX XXXX XXXX have not fulfilled their duty to thoroughly investigate my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report following the second round of disputes, I was dismayed to find that the inaccuracies I initially contested persist. These errors, left uncorrected after multiple attempts, signify a failure on EXPERIAN, XXXX XXXX XXXX 's part to act in good faith and fulfill its legal obligations under 15 U.S.C. 1681m and 15 U.S.C. 1681i. Specifically, the following accounts are inaccurately reported as charged off, yet they still show an available credit limit : XXXX XXXX XXXX XXXX- Reported as a charge-off with a credit limit of {$6900.00}. 
XXXX  XXXX XXXX- Reported as a charge-off with a credit limit of {$2000.00}. 
It is a fundamental error to report charged-off accounts with an available credit limit. The presence of such erroneous information on my credit report constitutes a violation of the law, and I demand the immediate deletion of these inaccuracies. 

Moreover, I must highlight that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are in violation of multiple laws established by Congress. As per 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), consumer reports should not include information solely concerning transactions or experiences between the consumer and the reporting entity, including payment history or charge-off status. Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits entities from furnishing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate. 

XXXX XXXX XXXX XXXX for instance, is currently reporting five ( 5 ) or more late payments on my credit report ( which directly violates 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ), resulting in a significant drop of over XXXX  XXXX  in my credit scorean act that is a clear violation of the above-stated laws. Additionally, XXXX XXXX XXXXXXXX and XXXX XXXX are both attempting to collect on a debt that has been discharged/charged-off and is now considered a certificate of indebtedness by the IRS. This debt should be classified as income, not reported as a liability on a credit report, making its current reporting both inaccurate and legally questionable. 

I have also noted that neither XXXX XXXX XXXX XXXX XXXX XXXX  issued a XXXX for the canceled debts, further compounding the inaccuracy of the reporting. It is imperative that these institutions, along with EXPERIAN, XXXX, and XXXX, acknowledge that they are furnishing incorrect and inaccurate information, violating both the Privacy Act of XXXX  and the FCRA. As a federally protected consumer, I now revoke any and all authorizations I may have previously granted, in accordance with 5 U.S. Code 552a and 15 U.S.C. 6802.

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