Consumer complaint received 2024-12-17 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:
I am submitting this complaint against Experian for its failure to address and correct the multiple inaccuracies associated with the XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite previous disputes and reinvestigations, Experian continues to report inaccurate and conflicting information, which violates the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

Details of Disputed Account Account Name : XXXX XXXX XXXX Account Number : XXXX Identified Inaccuracies Upon reviewing my XXXX and Experian reports, I identified several discrepancies and inaccuracies with the reporting of this account : Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy suggests re-aging of the account, which is a violation of the FCRA. 
Account Type : XXXX : Revolving Experian : Line of Credit Last Payment Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Balance and Status : XXXX : Balance : {$0.00}, Status : Pays account as agreed Experian : Balance : {$260.00}, Status : Account charged off with {$390.00} written off. 
The conflicting balances and statuses can not coexist and demonstrate clear inaccuracy. 
Status Update : XXXX : Status updated XX/XX/XXXX Experian : Status updated XX/XX/XXXX Comments Section : XXXX : Account Closed by Credit Grantor, Fixed Rate Experian : Completed investigation of FCRA dispute consumer disagrees Experians comments indicate prior disputes that were not adequately resolved.

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Assure Maximum Possible Accuracy FCRA Section 1681e ( b ) : Experian has failed to ensure the maximum possible accuracy of the information reported about this account, as required by Section 607 of the FCRA.

Re-aging of Account FCRA Section 1681s-2 : The opening date discrepancy indicates potential re-aging, which extends the reporting period beyond the legal 7-year limit. Re-aging is a violation of Section 623 of the FCRA.

Failure to Conduct Proper Reinvestigation FCRA Section 1681i : Despite two previous disputes, Experian failed to conduct a proper reinvestigation of this account and continues to report inaccurate information.

Failure to Verify Information FCRA Section 1681i ( 5 ) : If Experian can not verify the accuracy of this information, it must be removed. Retaining unverifiable or inaccurate information is a clear violation.

Experian has failed in its obligation to maintain accurate reporting and conduct thorough reinvestigations as required under the FCRA. The discrepancies, re-aging, and unresolved disputes are causing significant harm to my credit profile, and I expect immediate action to correct these violations. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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