Consumer complaint received 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX for continued reporting of inaccurate, misleading, and unverifiable information on my consumer credit report, despite XXXX ( XXXX ) prior disputes. XXXX XXXX has failed to conduct a reasonable investigation and has failed to correct or delete inaccurate information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Creditor : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Account Status Reported : Closed / Charged Off Balance Reported : {$3100.00} Past Due Amount : {$2900.00} Balance Last Updated : XX/XX/XXXX Status Last Updated : XX/XX/XXXX Basis of Complaint XXXX XXXX is reporting this account with material inconsistencies and factual inaccuracies, including : A balance update in XX/XX/XXXX while the account status has not been updated since XX/XX/XXXX, which is contradictory and misleading. 

A charged-off balance being reported without corresponding verified account activity. 

Repetitive charge-off and delinquency markers that improperly extend the appearance of active default. 

Past due amounts being reported without lawful validation or explanation. 

Failure to correct or delete inaccurate information after XXXX separate disputes, demonstrating a pattern of noncompliance and inadequate investigation. 

Violations XXXX XXXX actions constitute violations of, but are not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving disputes. 

Updating a balance in XXXX while maintaining a XXXX status date is deceptive and inaccurate reporting and does not meet federal standards for accuracy or completeness. 

Harm Caused XXXX  XXXX continued inaccurate reporting has : Damaged my credit profile Negatively impacted my creditworthiness Caused ongoing financial harm and distress Prevented me from obtaining fair credit opportunities Resolution Requested I am requesting that the CFPB require XXXX XXXX to : Immediately delete this account from my credit file, or Provide competent documentary evidence validating the balance, charge-off, and reporting timeline, and Correct all inaccurate and misleading information being reported. 

If XXXX XXXX is unable to substantiate this account with proper documentation, it must be removed in accordance with federal law. 

I appreciate the CFPBs assistance in resolving this matter, as XXXX XXXX has failed to comply with its legal obligations despite multiple good-faith attempts to resolve this directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 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