Consumer complaint received 2025-01-14 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:
To whom may concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA mandates that credit reporting agencies maintain and report accurate, complete, and verifiable information. The discrepancies outlined below violate these standards and have caused harm to my creditworthiness. 

The account in question, referenced as XXXX XXXXXXXX XXXX XXXX, is being reported differently across the three major credit reporting agencies. Below are the inconsistencies I have identified : XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$7600.00} Payment History : No history reported XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$0.00} Payment History : 61 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
Experian : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : Not reported Payment History : 40 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
These discrepancies are not only a clear violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report, but they also reflect gross negligence in verifying the data provided by the data furnishers. 

Furthermore, the repeated " charge-off '' entries violate the principle that a single debt can not be reported as charged off multiple times, as this unfairly extends the negative impact on my credit file. This action contravenes the statute of limitations under federal and state laws. 

I am demanding an immediate investigation into these inaccuracies, as required under FCRA 1681i ( a ). Please : Conduct a thorough investigation of the discrepancies reported. 
Provide a detailed explanation of the investigation 's outcome. 
Correct or delete the inaccurate information. 
Provide me with a free updated copy of my credit report reflecting the corrections. 
Failure to comply with this request within the legally mandated 30-day period will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse for damages caused by your negligent reporting practices. 

I have attached supporting documentation for your review. Please confirm receipt of this letter and provide an update on your progress within five business days. 

Thank you for your prompt attention to this matter.

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