Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am submitting this formal complaint against Experian due to the continued reporting of inaccurate charge-off accounts on my credit report. The incorrect information violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused unjust harm to my creditworthiness. 
In XXXX, I identified discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Information : Account Discrepancies High Balance Error Experian reports {$0.00}, while XXXX  and XXXX  correctly report {$1700.00}. 


Date of Last Activity Mismatch XXXX  ( XX/XX/year> ), Experian ( XX/XX/year> ), XXXX  ( XX/XX/year> ). 


Charge-Off Reporting Issue This is a Charge-Off account, not a late payment account, yet payment history reflects late payments and delinquencies. 


Inconsistent Account Remarks Different wording across bureaus : Charged off as bad debt ( XXXX  ), Unpaid balance reported as a loss ( Experian ), Accounts closed by credit grantor ( XXXX  ). 


Credit Limit Discrepancy XXXX  reports {$0.00} limit, while XXXX  and Experian report {$1500.00}. 


Status Conflict Account status is Closed with Collection/Charge-Off, yet bureaus show multiple months of late payment history, which is inaccurate for a charge-off classification.

Immediate investigation and correction of these discrepancies are requested to ensure compliance with FCRA guidelines and accurate reporting. 
Pursuant to Section 611 of the FCRA, I exercised my right to dispute these inaccuracies and formally requested a reinvestigation from Experian. In my request, I cited the following provisions of the FCRA to support my dispute : Section 609 ( a ) ( 1 ) ( A ) Requires verification of accounts through original documentation, ensuring that reported information is substantiated.

Section 611 Grants me the right to dispute inaccuracies and obligates the credit bureau to investigate promptly.

Section 623 ( a ) ( 5 ) Mandates that unverifiable information not validated by the original creditor be removed immediately.

15 U.S. Code 1681e ( b ) Requires credit bureaus to implement maximum possible accuracy procedures to prevent false reporting. 
Despite my request, Experian failed to conduct a reasonable and thorough reinvestigation within the legally mandated 30-day period, as required under 15 U.S. Code 1681i. Their failure to act constitutes a direct violation of federal law. Additionally, 15 U.S. Code 1681s-2 obligates furnishers of information to ensure the accuracy of the data they provide to credit bureaus. In this case, the inaccurate reporting persists, demonstrating negligence in compliance with these consumer protection statutes. 
Additional Information : I have attached the following supporting documents for your review : Copies of my dispute letters submitted to Experian. 
A copy of my credit report highlighting the inaccurate charge-off information. 
Any responses ( or lack thereof ) from Experian regarding my dispute. 
Resolution Requested : I request that the CFPB take immediate action to investigate and enforce compliance with the FCRA by directing Experian to : Conduct a full and thorough investigation into my dispute. 
Correct or permanently delete any inaccurate charge-off accounts from my credit report. 
Ensure that their reporting and dispute resolution processes align with federal regulations. 
Impose appropriate penalties and corrective measures to prevent further violations. 
The continued reporting of these erroneous charge-off accounts is causing undue financial hardship. I urge the CFPB to hold Experian accountable for their noncompliance and to ensure that my credit report reflects only accurate and verifiable information. 
Thank you for your prompt attention to this serious matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX 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