Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Lease No : XXXX I am writing to formally demand the immediate deletion of the following account from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX Code, and Unfair and Deceptive Acts and Practices ( UDAP ) laws : Creditor : XXXX XXXX : {$5800.00} Status : OPEN ( Incorrectly Reported as Charged-Off Post-Bankruptcy ) This account was included in my XXXX XXXX XXXX filing on XX/XX/XXXX and was legally XXXX on XX/XX/XXXX. Per 11 U.S.C. 524 ( a ), creditors are prohibited from attempting to collect, report, or misrepresent XXXX debts. Despite this, you have continued to report the account as XXXX " charged-off '' and XXXX day late with a balance due, which is a clear violation of bankruptcy protections. Legal Basis for My Demand : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Creditors must ensure the accuracy of information they furnish to credit bureaus. Continuing to report a XXXX debt as " charged-off '' or past due misrepresents the status of my account. XXXX XXXX  11 U.S.C. 524 ( a ) : The discharge of a debt in XXXX XXXX XXXX voids any legal responsibility to repay it. Creditors must not report misleading or inaccurate information post-discharge. Unfair and Deceptive Acts and Practices ( XXXX ) Laws : The continued misreporting of this account constitutes a deceptive practice that has harmed my ability to obtain new credit, housing, and employment. Requested Actions : Immediately delete this account from my credit report with major credit bureau ( Experian ). Cease any further negative reporting regarding this account. Provide written confirmation within 15 days that the account has been deleted and will no longer be reported. Request for Investigation Documentation : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am also requesting that you provide all documentation, records, and information used in your investigation concerning this account following my dispute. This includes : A description of the procedures used to investigate the dispute ; All documents, recordings, and internal records you relied upon ; The name and contact information of the party or parties who verified the accuracy of the disputed account ; The method and timeline used for reporting the account after the XXXX XXXX XXXX XXXX If your office continues to report this discharged debt inaccurately, it will be considered willful noncompliance with the FCRA and the XXXX XXXXXXXX. Failure to remove and respond appropriately may result in a formal complaint being filed with the Federal Trade Commission ( FTC ), and civil litigation for damages. Please send the requested documentation and confirmation of deletion here in the CFPB portal. 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