Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Credit Reporting and Demand for Immediate Correction Under the Fair Credit Reporting Act ( FCRA ), Failure to Reinvestigate, and Statutory Violations To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and also incorporates violations under Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). I am addressing serious and ongoing misreporting of accounts that are incomplete, inaccurate, or misleading resulting in harm to my credit profile. 

1. XXXX XXXX XXXX XXXX XXXX XXXX Repeated Charge-Offs, Inaccurate Balances I dispute the following accounts that are falsely reporting ongoing charge-off statuses : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX These accounts are reflecting repeated " CO '' ( charge-off ) entries each month in the payment history. This is factually incorrect a charge-off is a single accounting event, and repeating it monthly appears to re-age the debt, which is misleading and violates : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to reinvestigate disputed information 15 U.S.C. 1681c prohibition against obsolete or misleading account aging Regulation F, 12 C.F.R. 1006.30 ( a ) prohibits false, deceptive, or misleading representations by data furnishers and debt collectors Additionally, the balances being reported are inaccurate. If the debts have been sold or transferred, the original creditors tradeline must reflect a {$0.00} balance and indicate the debt was " sold, '' " transferred, '' or " closed. '' You are required by law to conduct a reasonable reinvestigation and report accurate information. Failure to correct or delete unverifiable data is a statutory violation of your FCRA obligations. 

2. XXXX  Account Should Show Current Each Month XXXX XXXX Account # XXXX This account inaccurately reports late payments. I was never late, and the payment history must be corrected to show Paid As Agreed or Current for all months. Failure to report correct payment history constitutes : 15 U.S.C. 1681i ( a ) failure to reinvestigate upon dispute 15 U.S.C. 1681e ( b ) failure to report with maximum accuracy 15 U.S.C. 1681s-2 ( a ) duty of furnishers to report accurate information I demand the immediate correction of this tradeline.

3. Failure to Provide Method of Verification and Furnisher Contact Info This is not my first attempt to correct these issues. In response to my previous disputes, you failed to provide : The method of verification used The name and contact details of the furnisher who verified the debt As required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), this information must be disclosed. Your failure to do so is a violation of federal law and indicates that no reasonable reinvestigation has occurred.

4. Failure to Reinvestigate Statutory Violations You have not corrected the accounts despite prior disputes, which constitutes a failure to reinvestigate as required under 15 U.S.C. 1681i ( a ). This is a willful or negligent violation, and I reserve my right to pursue damages under : 15 U.S.C. 1681n willful noncompliance ( {$1000.00} per violation + punitive damages ) 15 U.S.C. 1681o negligent noncompliance ( actual damages + attorneys fees ) Regulation F, 12 C.F.R. 1006.42 requiring accuracy and proper recordkeeping by collectors 5. Formal Demand for Correction or Deletion I hereby request that you take the following actions within 30 days of receipt of this dispute : Remove all repeated CO entries from the XXXX XXXX and XXXX XXXX XXXX XXXX accounts Update the balances on those accounts to reflect {$0.00}, if they have been sold or transferred Correct XXXX account to reflect a fully current payment history with no late marks Provide the method of verification and contact details for the furnishers Delete any account that can not be fully verified and accurately reported If these corrections are not made, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and take legal action for all violations under the FCRA and Regulation F. 

I have enclosed a copy of my government-issued ID and a recent utility bill for identity verification. 

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