Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
Subject : URGENT DISPUTE VIOLATIONS OF THE FCRA XXXX XXXX XXXX  ( Acct # XXXX ) & CFPB LAWSUIT CASE NOXXXX XXXX XXXXate : XX/XX/XXXX Dear Sir or Madam, This letter serves as a formal dispute regarding multiple inaccuracies and potential Fair Credit Reporting Act ( FCRA ) violations on my credit report concerning the following account : Creditor : XXXX XXXX XXXX XXXXccount Number : XXXX Account Status : Charged-off/Collection Nature of Dispute : Reporting errors, re-aging, and misleading information I demand the immediate investigation and correction of the following serious violations, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA. Failure to comply will result in a formal complaint to the CFPB and legal action under 15 U.S.C. 1681n for willful noncompliance.

VIOLATIONS & ERRORS IDENTIFIED 1. Illegally Re-Aging the Account Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Last Reported Date : XX/XX/XXXX ( TransUnion & Experian ) Last Payment Date : XX/XX/XXXX Issue : The Last Reported Date should reflect the date of first delinquency ( DOFD ), not a later date to extend the negative impact. Updating this date without consumer action is considered illegal re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ).

2. Past Due Amount Exceeding Credit Limit Violation of 15 U.S.C. 1681e ( b ) Reported Past Due Balance : {$1800.00} Credit Limit : {$1300.00} Issue : A past due amount CAN NOT exceed the original credit limit. This false reporting is misleading and violates 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum possible accuracy.

3. Failure to Clearly Identify Charge-Off Date Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Status : Collection/Chargeoff No Explicit Charge-Off Date Listed Issue : The charge-off date is critical for determining the seven-year reporting limit. If it is not clearly reported, it allows furnishers to illegally extend the reporting period beyond what is allowed under 15 U.S.C. 1681c ( a ) ( 4 ).

4. Account Still Reporting as Revolving Despite Charge-Off Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Account Type : Credit Card ( Revolving ) Status : Collection/Chargeoff Issue : A charged-off account is not revolving creditit should be marked as closed and in collections. Reporting it as revolving inflates my credit utilization ratio, artificially damaging my credit score. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits misleading account status reporting.

5. Missing Dispute Marking on TransUnion Violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) Experian Comment : Customer disputed account reported by subscriber.

TransUnion Comment : Charged off as bad debt.

Issue : If an account is disputed, it must be updated as such on all reports. TransUnions failure to reflect the dispute violates 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires furnishers to mark accounts as disputed when a consumer files a challenge.

6. Continued Late Payment Reporting Post Charge-Off Violation of 15 U.S.C. 1681c ( a ) Payment History Shows Late Payments After Charge-Off Issue : Once an account is charged off, no further late payments should be reported, as the debt is no longer revolving. Reporting ongoing late payments after charge-off violates 15 U.S.C. 1681c ( a ) by making it appear that the account is still active. 

CFPB LAWSUIT AGAINST EXPERIAN CASE NO. XXXX I refer to the recent lawsuit filed by the CFPB against Experian Information Solutions, Inc. XXXX XXXX XX/XX/XXXX, Case No. XXXX. The CFPB alleges that Experian failed to conduct proper investigations into consumer disputes, violating the FCRA. 

Given this legal precedent, I demand that my dispute be handled with full compliance to prevent further regulatory violations.

DEMAND FOR IMMEDIATE CORRECTION Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct these errors within 30 days. I demand that you : 1. Immediately investigate these reporting errors.

2. Correct or delete all inaccurate, misleading, and outdated information.

3. Provide me with a corrected copy of my credit report.

4. Provide a written explanation of any information that you do not correct.

LEGAL CONSEQUENCES FOR NONCOMPLIANCE Failure to correct these violations will result in the following actions : Formal Complaint with the CFPB under 15 U.S.C. 1681s ( a ).

Legal action for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorney fees.

Litigation for Defamation & Negligent Reporting under applicable state and federal laws.

This is your formal notice under the FCRA. I expect immediate compliance.

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