Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing the following accounts listed on my Experian credit report dated XX/XX/XXXX. These accounts contain inaccurate, outdated, incomplete, and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. I demand their immediate and permanent deletion from my credit file under 15 U.S. Code 1681i ( a ), which mandates the removal of any item that can not be verified within the statutory timeframe. 

XXXX Account # XXXX Listed as a charge-off despite a {$0.00} balance. Comments state the account was Purchased by another lender ( XXXX XXXX XXXX ), yet no verifying data has been supplied. 
Violations : - FCRA 1681i ( a ) : Failure to verify account after transfer - FCRA 1681c ( a ) ( 4 ) : Outdated adverse item due to re-aging - FDCPA 807 ( 8 ) : Deceptive reporting XXXX XXXXXXXX Account # XXXX ... 
Charged off with a reported past-due balance of {$550.00}, despite the credit limit being only $ XXXX apparent reporting error. 
Violations : - FCRA XXXX ( a ) : Furnishing inaccurate information - FCRA 1681e ( b ) : Failure to maintain accuracy - FDCPA 807 ( 2 ) ( A ) : Misrepresentation of balance XXXX XXXX XXXX  Account # XXXX ... 
Multiple 3060 day delinquencies reported with conflicting balance/payment history. 
Violations : - FCRA 1681e ( b ) : Inaccurate or inconsistent reporting - FCRA 1681i ( a ) : Reinvestigation required - 1681c ( a ) ( 5 ) : Excessive derogatory history XXXXXXXX XXXX XXXXXXXX Account # XXXX ... 
Settled for less than owed but reported as charge-off with late payments spanning a year. 
Violations : - FCRA 1681c ( a ) ( 4 ) : Negative marks beyond statutory limit - FCRA 1681s-2 ( b ) : Failure to update status - FDCPA 807 ( 10 ) : Misleading reporting XXXX XXXX XXXX Account # XXXX ... 
Listed as a collection agency with no evidence of debt validation provided. 
Violations : - FDCPA 809 ( a ) : No written validation - FCRA 1681b : No permissible purpose - FCRA 1681i ( a ) : Unverified collection activity XXXX Account # XXXX ... 
Account shows increasing balance post-charge off ; reporting lacks consistency. 
Violations : - FCRA 1681e ( b ) : Inaccurate reporting - FCRA 1681c ( a ) : Re-aging of account - FDCPA 807 : False representation XXXX XXXX  Account # XXXX... 
Charge-off status with inconsistent past due balances ; balance exceeds original loan amount. 
Violations : - FCRA 1681i : Failure to verify account - FCRA 1681e ( b ) : Inaccurate balance - FDCPA 807 : Inaccurate representation XXXX XXXX XXXXccount # XXXX ... 
Debt buyer reporting {$7600.00} in collections from XXXX without supplying original documentation. 
Violations : - FDCPA 809 ( b ) : No debt validation - FCRA 1681b : No permissible purpose - FCRA 1681i ( a ) : Unverifiable data XXXX XXXXXXXX XXXX Account # XXXX ... 
Collection account open since XXXX ; continuously reported without new activity. 
Violations : - FCRA 1681c ( a ) ( 4 ) : Outdated item - FCRA 1681e ( b ) : Accuracy failure - FDCPA 807 ( 10 ) : Misleading continuation I demand a full reinvestigation of all the above accounts under the FCRA and permanent deletion of any items that are unverifiable, inaccurate, or outdated. You are required by law to complete your investigation within 30 calendar days of receipt. If you are unable to verify the accuracy of the disputed items, they must be removed per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

Sincerely, 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