Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Subject : Formal dispute XXXX XXXX account contains factual inaccuracies and must be deleted under FCRA To Whom It May Concern at the CFPB : I am filing this formal complaint regarding the XXXX XXXX account currently appearing on all three of my credit reports. Despite having disputed this account more than twice, it continues to be verified without correcting the numerous factual inaccuracies it contains. This constitutes a failure to conduct a reasonable investigation and violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

FACTUAL ERRORS IN THE ACCOUNT 1. Account Opening and Timeline Conflict The account was opened on : XX/XX/year> ( Equifax & Experian ) XX/XX/year> ( TransUnion ) Yet by : XX/XX/year> ( Equifax ) XX/XX/year> ( Experian ) XX/XX/year> ( TransUnion ) the account was already charged off or marked as a loss. It is factually impossible for a new account to reach charge-off in such a short timeframe unless there was fraudulent or erroneous reporting.

2. Balance of {$0.00} but XXXX XXXX All three bureaus list the balance as {$0.00}, but the status is still XXXX. 
A charge-off can not exist on a zero-dollar balance. This is contradictory and misleading.

3. Conflicting Account Comments TransUnion : Payment after charge-off. Paid profit and loss. 
Experian : Unpaid balance reported as a loss. 
Equifax : Paid charge-off. Partially secured. 
These comments conflict and can not all be true. This is a factual inconsistency.

4. Inconsistent Dates for Activity and Payment Date Last Active : XX/XX/year> ( TransUnion ) XX/XX/year> ( Experian ) XX/XX/year> ( Equifax ) Date of Last Payment : XX/XX/year> ( TransUnion and Experian ) XX/XX/year> ( Equifax ) Multiple, conflicting payment dates = inaccurate data. 

XXXX. XXXX XXXX XXXX TransUnion payment history shows : XXXX, XXXX, XXXX XXXX  : OK XX/XX/year> : Charge-Off A charge-off can not follow XXXX months of OK status with no delinquency history. That is a clear reporting error. 

VIOLATIONS OF FCRA This account violates the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation after a dispute.

15 U.S.C. 1681s-2 ( b ) : Furnishers failure to correct or delete inaccurate information after notification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Civil liability for negligent or willful violations. 

LEGAL NOTICE : RIGHT TO DAMAGES UNDER FCRA According to the Fair Credit Reporting Act, if I have disputed an account multiple times and it continues to be verified without correcting clear factual errors, I have the right to pursue civil damages of up to {$1000.00} per violation under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). If this inaccurate and damaging information is not removed, I will take legal action against all parties involved, including the data furnisher and credit reporting agencies. 

DEMAND FOR ACTION I respectfully demand the immediate and permanent deletion of this inaccurate and unverifiable account from my credit reports at TransUnion, Experian, and Equifax. 
I trust the CFPB will recognize that this is not a minor error, but a repeated and willful violation of my consumer rights.

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