Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
NOTICE OF DISPUTE / REQUEST FOR CORRECTION OR DELETION XXXX XXXX  Credit Bureau Dispute Department Date : XX/XX/XXXX Re : Account Ending in XXXX Inaccurate Charge-Off Reporting To Whom It May Concern, I am submitting this formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The reporting on my XXXX account ending in XXXX  is inaccurate, incomplete, and inconsistent, and therefore must be corrected or deleted.

I am disputing your charge-off reporting for the following reasons : 1. Mixed Reporting ( CO + ND in the same time periods ) FCRA Violation Across multiple years ( XXXX ), the tradeline simultaneously reports : CO ( Charge-off ) ND ( No Data ) Missing months Examples directly from your reporting : XXXX : XXXX ( CO + ND ), XXXX ( ND + CO ), XXXX ( CO + CO + ND ) XXXX : XXXX ( CO + CO ) XXXX : XXXX ( ND, ND, ND ) XXXX : CO lines mixed with ND months Multiple years : Missing and incomplete payment data This constitutes : Incomplete reporting Inconsistent reporting Unverifiable reporting Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information that is inaccurate or incomplete.

2. Charge-Off Date / Status Updated Incorrectly You report : Status updated : XX/XX/XXXX Last payment : XX/XX/XXXX A charge-off should occur no later than 180 days after the last payment, meaning around XX/XX/XXXX, NOT XX/XX/XXXX. 

This makes the charge-off date inaccurate, violating FCRA and Metro-2 reporting guidelines.

3. Balance Reporting Appears Inaccurate You report : {$3900.00} written off {$3800.00} past due Highest balance {$3900.00} These numbers conflict with each other and require clarification of : principal interest fees charge-off accounting whether the balance was updated after the charge-off Under FCRA, all balance data must be accurate and verifiable.

4. Securitization and Ownership Verification Request I am also requesting verification regarding whether : this accounts receivable interest was securitized, XXXX retains full ownership, XXXX has the right to continue reporting a charge-off if ownership or beneficial interest transferred, and a full chain of title exists. 

If XXXX has securitized, reassigned, or transferred any beneficial or receivable interest, then reporting the account as a current charge-off may be inaccurate or incomplete.

REQUEST FOR ACTION In accordance with FCRA 1681i and 1681s-2, I am requesting : 1. A full investigation 2. Verification of ownership and accounting 3. Verification of complete payment history 4. Correction of all inaccurate information, or 5. Deletion of the entire tradeline if accurate records can not be fully verified Please provide : charge-off ledger accounting breakdown chain of title transaction history complete monthly reporting records proof of ownership/servicing rights Metro-2 compliance confirmation

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