Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
Formal Dispute for XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute and Request for Deletion of Inaccurately Reported Account XXXX XXXX XXXXXXXX ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the inclusion of an account from the XXXX  XXXX XXXX on my credit report. After a thorough review, I have identified multiple, significant inaccuracies that render the reporting of this account in violation of the Fair Credit Reporting Act ( FCRA ). Given the extent of these errors, I am requesting the immediate deletion of this account from my credit report. 

Inconsistencies and Inaccuracies Identified : XXXX. Incorrect Account Opening Date : * The account in question is reported as being opened on XX/XX/XXXX. However, I was not enrolled at the XXXX  XXXX XXXX at that time, making it impossible for this account to have been legitimately opened. This is a critical error that fundamentally undermines the validity of the account. 
XXXX. Improper and Multiple Charge-Off Reporting : * The payment summary for this account shows multiple instances of C ( charge-off ) reported across several months. As you are aware, a debt can only be charged off once. Reporting multiple charge-offs is not only inaccurate but also misleading, as it artificially inflates the severity of the delinquency. This improper reporting has likely caused undue harm to my credit score.

3. Inconsistent Status Updates : * The account status is reported as updated in XX/XX/XXXX, yet there is also a report for XX/XX/XXXX. The inconsistent and contradictory updates further indicate that this account has not been accurately maintained or reported. Such discrepancies in reporting timelines violate the FCRAs requirements for accurate and consistent reporting. 

Legal Basis for Dispute : The FCRA mandates that all information furnished to credit reporting agencies be accurate, complete, and verifiable. The errors present in this accounts reporting clearly fail to meet these standards. The presence of multiple inaccuraciesincluding an incorrect account opening date, improper charge-off reporting, and inconsistent status updatesdemonstrates that this account is not being reported in compliance with FCRA guidelines XXXX 
Request for Immediate Action : Given the serious nature of these inaccuracies, I formally request that Experian take the following actions : 1. Delete the Account : Due to the significant and irreparable inaccuracies in the reporting of this account, I request that it be immediately deleted from my credit report. The errors identified are not minor and can not be corrected without further damaging the accuracy and integrity of my credit report. 
XXXX. XXXX with the XXXX XXXX XXXXXXXX : I request that your agency obtain full verification of this account directly from the XXXX  XXXX XXXX. This verification should include evidence supporting the legitimacy of the account opening date, the accuracy of the balance and payment history, and the justification for multiple charge-offs. If the XXXX  XXXX XXXX can not provide accurate and consistent documentation, this account must be removed. 
XXXX. Written Confirmation of Deletion : Please provide written confirmation of the deletion of this account from my credit report within the timeframe required by the FCRA. 

Conclusion : The inaccuracies present in the reporting of this account are serious and have likely caused unjustified harm to my credit profile. Under the FCRA, I am entitled to accurate and fair reporting. I trust that Experian will promptly investigate this matter and take the necessary steps to correct these issues by removing the account from my report. 
Thank you for your immediate attention to this matter. I look forward to receiving confirmation that the account has been deleted from my credit report. 

Sincerely, 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