Consumer complaint received 2025-10-03 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint and dispute against the credit reporting agencies Equifax / Experian / TransUnion for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq with ( Account : XXXX XXXX XXXX XXXX XXXX XXXX  ) by continuing to report inaccurate information on my credit report.These statutes have been recently reinforced in multiple federal court decisions, including : * Frazier v. Equifax, where the court emphasized the CRAs obligation to address specific factual inaccuracies and not respond with blanket verified responses. 
* Hickson v. Experian, which dealt with misleading charge-off statuses reported across multiple months. 
* A recent class action against Equifax ( 2025 ), which alleges failure to reasonably investigate consumer disputes and reliance on boilerplate responses, violating 1681i and 1681s2 ( b ) Despite previous disputes ( Attached previous disputes ) and sufficient notice, the agencies have failed to delete or correct a clearly inaccurate charged-off account that contains one or more of the following errors. 
I am disputing the XXXX XXXX XXXX XXXX XXXX XXXX account on the following grounds : 1. The Charge-Off status is being reported inaccurately, including : * Inconsistent charge-off dates reported across different CRAs. 
* Incorrect payment status showing account as still Derogatory after charge-off. 
* Inconsistent Last Date Active reported across different CRAs * Inconsistent Date of Last payment across different CRAs * Ongoing monthly reporting of the same charge-off as new derogatory events, which is inherently misleading. 
* Ongoing monthly payment says {$0.00} with {$79.00} Past Due reporting * Inaccurate balance and payment history details not supported by any documentation from XXXX. 

This violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which mandates proper reinvestigation upon notice of dispute. 

Due to continued noncompliance and failure to remedy these FCRA violations, I have initiated or am in the process of initiating a lawsuit against the credit reporting agencies responsible. If the inaccurate reporting is not removed immediately, I will seek full legal remedies, including : * Statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) for willful noncompliance; * Actual damages, emotional distress, and punitive damages ; * Attorneys fees and court costs.

I am demanding the immediate deletion of the inaccurately reported account ( s ) from my credit file. Continued reporting of false or unverifiable information, especially in the face of a legal complaint, constitutes further liability.

I am requesting a written response within the FCRA-mandated timeframe of 30 days with confirmation of deletion or full correction of all inaccurate data. 
This matter is serious and time-sensitive. Failure to comply will be documented and used in the ongoing legal action. 

Thank you

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