Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Aggressive Dispute of Duplicate Charge-Off Accounts on Experian Credit Report - Request for Immediate Removal Dear Sir or Madam, I am writing to formally dispute the duplicate charge-off accounts reported on my Experian credit report under the names XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Line of Credit ( Account Number : XXXX ). The accounts are both listed as charge-offs with outstanding balances, but they show different balances for the same credit line, which is a clear case of duplicate reporting and inaccurate information. 

The charge-off details are as follows : XXXX XXXXXXXX XXXX XXXX  : Balance of {$4200.00} XXXX XXXX Line of Credit : Balance of {$4000.00} This duplicate reporting of the same credit account under two different names with different balances constitutes an outright violation of the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to have both accounts removed from my credit report. 

Legal Violations and Grounds for Removal : 1. FCRA Violation - Duplicate Reporting ( 15 U.S. Code 1681i ) : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to investigate any disputed information and ensure that the credit report is accurate and complete. The duplicate reporting of this same account under two different names with two different balances is incorrect and misleading. This violates my rights under the FCRA and must be removed from my credit report immediately. 
2. FCRA Violation - Failure to Correct Inaccurate Information ( 15 U.S. Code 1681e ( b ) ) : 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies must ensure that all information they report is accurate and complete. The duplicate reporting of the same account with different balances violates this provision of the FCRA. Experian has failed to maintain accurate records and must remove these entries from my credit report to comply with the law.

3. FCRA Section 1681s-2 ( b ) - Duties of Furnishers of Information : Under 15 U.S. Code 1681s-2 ( b ), the furnishers of information ( in this case, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX Line of Credit ) are required to investigate disputes and correct any inaccuracies in the information they report to credit bureaus. These two entities have failed to validate the debt properly, and their failure to remove the duplicate entries from my credit report is a violation of the FCRA. The charge-off accounts should be removed if they can not provide proper verification of the debt. 
4. Failure to Provide Proper Documentation ( 15 U.S. Code 1692g ) : Under 15 U.S. Code 1692g, when I dispute an account, the creditor or collector is obligated to verify the debt and provide proper documentation. Neither XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Line of Credit has provided adequate proof of this debt, nor have they provided a clear breakdown of how this debt is reported across the bureaus. The failure to verify this account or provide clear documentation to support the duplicate reporting is a violation of the FDCPA. 

5. Time Limits on Reporting Negative Information ( 15 U.S. Code 1681c ) : Under 15 U.S. Code 1681c, negative information such as charge-offs must be removed from credit reports after seven years from the date of the first missed payment. If either of the entries is past the seven-year mark, they should be removed. Additionally, if duplicate reporting occurs, it violates the FCRA, regardless of the reporting time limit. 

Demand for Immediate Action : Based on the clear violations of the FCRA, I demand the immediate removal of both charge-off accounts from my Experian credit report. The duplicate reporting of the same credit account under two different names with two different balances is inaccurate, misleading, and illegally reported.

Failure to Act : If this issue is not resolved immediately, I will pursue legal action for damages caused by this inaccurate reporting. This may include filing formal complaints with the Federal Trade Commission ( FTC ), the State Attorney General, and pursuing civil litigation under the FCRA. 

Request for Investigation and Resolution : I request that CFPB immediately initiate an investigation into this matter and ensure that Experian and the furnishers of information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Line of Credit ) take immediate action to remove the duplicate charge-off accounts from my credit report. I expect written confirmation of the actions taken and a final determination within 30 days as required by law. 

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