Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal FCRA Dispute Inaccurate and Incomplete Reporting ( XXXX XXXX XXXX XXXX XXXX ) Dear Experian XXXX Department, This letter is a formal dispute of inaccurate and incomplete information currently being reported on my Experian credit file under the following account : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Status : Account charged off {$20000.00} as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I am exercising my right to dispute this account based on the following factual inaccuracies and incomplete data : 1. Inaccurate and Incomplete Payment History Experian is reporting 53 months of delinquency including numerous Charge-Off ( CO ) notations every single month for XXXX, XXXX, XXXX, and XXXX. 
This is factually inaccurate a charge-off is a one-time accounting action. Per FCRA guidelines and XXXX XXXX standards, an account can not be charged off repeatedly each month after the initial charge-off designation. 
The continued monthly CO notations are misleading, punitive, and factually incorrect, and violate 15 U.S.C. 1681e ( b ), which requires Experian to maintain maximum possible accuracy of the information reported.

2. Incomplete Reporting No Method of Verification Provided Experian has failed to provide the method of verification for this account.

No details have been provided about : Who was contacted during the investigation When the investigation was conducted What documents were reviewed How the information was verified This constitutes a violation of 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 3 ) ( A ). 



XXXX. Continued Reporting Despite Notice of Dispute On XX/XX/XXXX, despite my formal dispute and provision of supporting documentation, Experian failed to remove the inaccurate XXXX  XXXX XXXX XXXX XXXX account ( Account Number : XXXX, Report Number : XXXX ). The outcome message stated that the account has not been changed and will remain on your credit report, yet no method of verification was provided, no documentation was shared, and no details of the investigation were disclosed. 

This failure directly violates your obligation under 15 U.S.C. 1681e ( b ), which requires Experian to maintain maximum possible accuracy in consumer reports. By maintaining inaccurate payment history and continuing to report the account despite multiple inaccuracies and incomplete information, Experian is willfully noncompliant with FCRA regulations. 

Company : XXXX  XXXX XXXX XXXX XXXX Address : Accounts Payable, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Demand for Immediate Action Due to Experians failure to ensure the accuracy, integrity, and completeness of this account, I demand the following : 1. Immediate deletion of this XXXX XXXX XXXX XXXX XXXX account from my credit report within XXXX hours of receipt of this notice ; 2. A copy of the full investigation results including the method of verification ; 3. An updated credit report showing the deletion of this account ; 4. That Experian permanently block and delete this account immediately. 

Experian has failed to conduct a proper investigation into this matter by continuing to label the account as accurate despite obvious errors, incomplete information, and factual inaccuracies. This is a violation of your obligations under the FCRA. 

This letter serves as your final opportunity to comply before I proceed with filing complaints with the CFPB, FTC, and filing a lawsuit in California XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

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