Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Incorrect information on credit report / Failure to investigate and resolve disputes within the legally mandated timeframe Complaint Summary : I am filing this complaint due to Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding multiple disputed accounts on my credit report. Despite disputing these inaccuracies for over six months, Experian has not resolved these disputes or provided verification within the legally required 30 days. 

The following specific accounts contain errors that Experian has failed to address properly : XXXX XXXX XXXX Account : Error : Reported as Paid with a {$0.00} balance, but no verification of payment was provided. 
Violation : Failure to provide documentation to substantiate the Paid status. Under FCRA 611 ( a ) ( 1 ) ( A ), Experian is required to verify disputed information within 30 days or delete it. 
XXXX  XXXX Account # XXXX : Error : Listed as a charge-off with a {$0.00} balance and reported as Paid after charge-off, but no documentation supports this status. 
Violation : Failure to verify or correct the payment status of a charge-off account as required by FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX  XXXX Account # XXXX : Error : Listed as a charge-off with a balance of {$580.00}. No verification provided for the accuracy of the charge-off or balance. 
Violation : Failure to verify the accuracy of the charge-off status under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ). 
XXXX Account # XXXX : Error : Reported as a collection/charge-off with a balance of {$1600.00}. The dispute remains unresolved without verification. 
Violation : Failure to resolve the dispute or delete the item within 30 days, as required by FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX Account # XXXX : Error : Duplicate of the previous XXXX account, reported as a collection/charge-off with a {$1600.00} balance. The dispute remains unresolved. 
Violation : Failure to remove duplicate information or verify the accuracy within the required timeframe ( FCRA 611 ( a ) ( 1 ) ( A ) ).

XXXX XXXX XXXX : Error : Listed as a collection/charge-off with a balance of {$960.00}. No verification of this debt has been provided. 
Violation : Failure to delete the item after failing to verify within 30 days, as required by FCRA 611 ( a ) ( 5 ) ( A ).

Common Violations Across All Accounts : Failure to Verify : Experian did not verify disputed items within 30 days, violating FCRA 611 ( a ) ( 1 ) ( A ).

Failure to Delete Unverified Items : Experian did not delete accounts that were not verified within 30 days, violating FCRA 611 ( a ) ( 5 ) ( A ).

Improper Reporting of Charge-offs : Charge-offs and collections were not corrected to reflect payments or settlements, violating FCRA 607 ( b ), which requires accurate reporting.

Failure to Resolve Disputes Promptly : Experian failed to complete investigations within the required 30-day period, violating FCRA 611 ( a ) ( 1 ) ( A ). 
Resolution Sought : Immediate deletion of all disputed accounts due to failure to verify within 30 days. 
Correction of any inaccurate information on my credit report. 
Written confirmation within 15 days that these actions have been completed. 
If Experian fails to comply, I am prepared to take legal action to enforce my rights under 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