Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
This is a challenge complaint against XXXX investigation results from XX/XX/XXXX on the XXXX XXXX account that has been closed since XXXX, fully paid, and is now being furnished with false balances, contradictory status codes, and monthly charge-off updates over five years later. 

Contradiction # XXXX XXXX Payments Made vs. XXXX Missed XXXX XXXX  letter states : You were required to make XXXX payments. You made XXXX and missed XXXX. 

This is mathematically impossible. If I made XXXX payments, only XXXX could have been missed not XXXX. This blatant contradiction shows either XXXX records are inaccurate or Experian failed to critically evaluate the data being furnished. 

Contradiction # XXXX {$2500.00} Charge-Off Balance Despite {$3100.00} in Confirmed Payments The original loan amount was {$1600.00}. My verified bank statements show that I made XXXX separate payments of {$150.00}, totaling {$3100.00} nearly double the original loan amount, including finance charges. Yet Experian continues to report a charge-off balance of {$2500.00}. 
This is not only factually incorrect it is predatory, deceptive, and a direct violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy Metro 2 guidelines improper balance reporting post-charge-off Contradiction # XXXX Account Closed in XXXX, Yet Reporting Through XXXX XXXX  own letter confirms the account was charged off on XX/XX/XXXX. Despite that, Experian continues to show ongoing C/O ( charge-off ) notations into XXXX, XXXX, XXXX, and XXXX. 

This is : A violation of Metro 2 standards, which prohibit re-aging or continued derogatory updates once an account is closed. 
A violation of FCRA XXXX ( a ), which mandates deletion or correction of inaccurate data after reinvestigation. 

Contradiction # XXXX Sent to Collections Twice After Charge-Off XXXX admitted XXXX account was sent to XXXX collection agency, returned, and later sent to another. This means XXXX is no longer the legal furnisher of this data. Once an account is assigned or sold, the original creditor loses standing to furnish updates. 
Experians continued acceptance of XXXX  reporting on an account it no longer owns is unlawful under the FCRA and Metro 2 rules regarding data furnishers. 

Contradiction # XXXX Experian Still Marks Account as Verified Despite : XXXX  internally conflicting letter My bank statements showing full payment Multiple dispute filings with supporting evidence Experian has continued to mark the account as Verified as Accurate. 
This is a blatant failure to conduct a reasonable investigation under FCRA 1681i ( a ). Data this inconsistent should never be considered verified. 

Contradiction # XXXX Reporting a Closed, Overpaid Account as Active for XXXX Years Experian continues to show monthly charge-off notations through XX/XX/XXXX even though : The account was closed in XXXX I paid over {$3100.00} on a {$1600.00} loan The account was assigned to collections twice There has been no payment activity since XXXX The continued reporting is : Inaccurate Re-aged Based on a party without authority This is deceptive, unlawful, and violates FCRA and Metro 2 standards for closed accounts. 

False Charge-Off Maintained for 5 Years Despite Full Repayment The most egregious harm comes from Experian allowing this tradeline to show : A {$2500.00} balance A status of Charge-Off Monthly derogatory updates through XXXX All of this despite confirmed payments totaling {$3100.00} significantly more than the loan + finance charges. 
This has severely damaged my credit for over 5 years. XXXX charged off a fully paid loan, and Experian continues to report it as unpaid even after being confronted with documentation proving otherwise. 


Verified Payment History ( Supported by Bank Statements ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Total Paid : {$3100.00} Requested Resolution XXXX. Permanently delete this tradeline from my credit report due to factual contradictions and unverifiable data. 
XXXX. Cease all monthly updates or notations tied to this account. 
XXXX. If not deleted, the account must be corrected to reflect : Paid as Agreed Closed {$0.00} Balance Never Late. 

Supporting Documentation ( Available Upon Request ) : XX/XX/XXXX Experian dispute result XX/XX/XXXX XXXX Bank letter Credit report screenshots showing XXXX C/O notations Bank statements proving XXXX payments totaling {$3100.00} This account was paid in full in XXXX. Yet Experian has continued to allow it to report as charged off and delinquent for XXXX years harming my credit and violating federal law. The data is conflicting, unverifiable, and damaging. I am demanding a full reinvestigation and permanent deletion in accordance with the FCRA.

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