Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy and validity of certain items listed on my Experian credit report. After thoroughly reviewing my file, I have identified accounts that are either outdated, inaccurately reported, or unverifiable. I am requesting a complete reinvestigation of the information listed below, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i.

This letter serves as my official dispute regarding the following accounts and related information : 1. Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Account shows charge-off with a {$0.00} balance misleading and harmful Law : FCRA 607 ( b ) Accuracy in reporting ; FCRA 1681i Duty to reinvestigate Story : This CITI account is currently being reported as a charge-off with a balance of {$0.00}. While technically the charge-off status may refer to a previous delinquency, showing a charge-off with no balance remaining misleads potential creditors into believing I have unresolved debts, which is clearly not the case.

According to FCRA 607 ( b ), Experian is required to ensure maximum possible accuracy of the information it includes in a consumer report. Reporting a charge-off that has already been settled or brought to a {$0.00} balance without clarifying this status is incomplete and potentially damaging.

I am requesting either the removal of the charge-off status or a detailed reinvestigation that includes written documentation from the original creditor verifying the circumstances of closure and resolution of this account. If this documentation can not be provided, I demand full deletion of this account from my report.

2. Account : XXXX XXXXXXXX XXXX XXXX XXXX Issue : Inaccurate reporting of late payments on an account with {$0.00} balance Law : FCRA 1681s-2 ( a ) Accuracy and integrity of information furnished Story : This WFC account reflects a {$0.00} balance but continues to report late payments, despite the fact that the account was paid in full and closed. I did not receive proper notice of these alleged delinquencies, and I dispute their accuracy in full.

Credit furnishers are obligated under FCRA 1681s-2 ( a ) to report accurate information. Continuing to show late payments after resolution of an account harms my credit unnecessarily and does not reflect my true payment behavior.

Unless you can provide documentation from the original creditor verifying the payment history and proof of late notices, I am requesting that all late payment notations be immediately removed from this account entry.

Additional Details : Please be aware that I have recently changed addresses and am providing all current and former addresses listed on file to assist with verification : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Request for Action : I respectfully demand that Experian conduct a reinvestigation of the above accounts and provide me with written confirmation of the results within 30 days, in accordance with FCRA 1681i. If verification can not be completed with appropriate documentation, these items must be deleted from my credit report.

Thank you for your prompt attention to this matter. I expect fair and accurate handling of my dispute in accordance with federal law.

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