Consumer complaint received 2025-10-30 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Account Reporting under FCRA Account Name : XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate and incomplete information being reported on my Experian credit report, which I obtained from your website ( usa.experian.com ). Ive requested a method of verification as this account XXXX XXXX XXXX  was verified as accurate send me the information that was given to you which validated the account as accurate, Signed contract ; Proof of ownership, who did you speak to, what phone number did you call, what did they say? This account in question is a credit card account that was charged off in XX/XX/XXXX, yet it continues to be reported monthly as CO ( Charge Off ) and past due through XXXX, which is factually and legally inaccurate. 

Disputed Information : Incorrect Reporting : The account reflects continuous charge-off codes ( CO ) through XXXX, despite the status stating Account charged off. {$500.00} written off as of XX/XX/XXXX. 
Inconsistent Date of First Delinquency ( DOFD ) : The report shows late payments as early as XXXX and XXXX, yet also indicates that the charge-off occurred later, suggesting re-aging of debt, which is prohibited. 
Incorrect Balance Reporting : The report lists a current balance of {$500.00} on a charged-off account, which violates accurate reporting standards if the debt was sold, transferred, or written off. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy of information.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation when a consumer disputes inaccurate information.

FCRA 623 ( a ) ( 2 ) Furnishers are required to correct and update information that is found to be incomplete or inaccurate.

FCRA 605 ( a ) Accounts charged off may only be reported for 7 years from the date of first delinquency, not extended by re-aging or false updates. 

E-Oscar Dispute Codes to Reference : Code 001 : Not his/hers ( if account ownership is in question ). 
Code 007 : Claims account included in bankruptcy ( if relevant ).

Code 112 : Claims inaccurate information. Account previously charged off, but still reporting as past due. ( recommended code for this case ) Code 202 : Claims account re-aged improperly.

I am requesting that Experian : 1. Immediately investigate this account with the data furnisher to verify all dates, status, and balance information. 
XXXX. Delete or correct the inaccurate charge-off and payment history entries beyond XX/XX/XXXX. 
XXXX. Provide me with written confirmation of your findings and actions taken, within 30 days as required under FCRA 611 ( a ). 

Please attach a copy of this dispute to the creditor when verifying through the E-Oscar system to ensure compliance with federal reporting standards.

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