Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account was charged off as of XX/XX/year>. Since the charge-off date, this account has been inaccurately reporting CO ( charge-off ) entries every month, creating an ongoing payment history for more than two years. Under federal law, charged-off accounts should not report an active payment history beyond the charge-off date. This practice by the creditor has falsely manipulated the date of last activity on my credit report, which is both misleading and unlawful.

Violations of Federal Law The actions taken by this company violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 1. 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers of Information to Provide Accurate Information This law requires data furnishers to report only accurate and complete information to credit reporting agencies. By reporting ongoing CO entries past the charge-off date and failing to update the balance to {$0.00}, the company has knowingly provided false information.

2. 15 U.S.C. 1681s-2 ( b ) : Duty to Investigate Disputed Information After my dispute, the company was obligated to investigate and correct any inaccuracies within 30 days. Instead, they allowed the false reporting to continue, showing no intention of resolving the issue.

3. 15 U.S.C. 1681e ( b ) : Duty of Credit Reporting Agencies to Ensure Maximum Possible Accuracy Experian failed in its obligation to ensure maximum accuracy by accepting and continuing to display this inaccurate information, despite my dispute.

4. 15 U.S.C. 1681c : Obsolete Information and Reporting of Dates By manipulating the date of last activity with ongoing CO entries, the company has violated the FCRAs rules on reporting accurate and relevant dates, potentially extending the period this account remains on my credit report.

Request for Deletion and Compensation As this account has been falsely reported for more than two years, I am demanding : 1. Immediate Deletion : Complete removal of this account from my credit report due to the false and manipulative reporting practices.

2. Compensation for Damages : Under 15 U.S.C. 1681n, I am entitled to {$1000.00} per violation for willful non-compliance with the FCRA. Each monthly CO entry beyond the charge-off date constitutes a separate violation. Therefore, I demand compensation for the harm caused to my credit history and financial opportunities during the entire duration of this incorrect reporting.

Demonstrated Intent to Mislead The continued inaccurate reporting after my dispute, coupled with Experians failure to correct these discrepancies, demonstrates that this company has no intention of changing or correcting the issue. This manipulation is intentional and has caused significant harm to my creditworthiness, including : Suppression of my credit score by over XXXX points. 
Hindrance of my ability to secure fair financial opportunities, such as loans or housing. 
Emotional distress due to the ongoing harm caused by this misrepresentation.

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