Consumer complaint received 2025-01-29 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: CT

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Information Dear Experian Dispute Department, I am formally disputing the inaccurate reporting of the following account on my credit report : Creditor Name : XXXX XXXX Account XXXX : XXXX Status : Charged-off Balance : {$300.00} This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  and the Consumer Financial Protection Bureau ( CFPB ) enforcement guidelines. The following errors require immediate deletion of this account from my credit report : Inaccuracies Identified : XXXX. Incorrect Balance Reporting The account originally had a balance of {$200.00}, yet Experian is reporting {$300.00} as both the highest balance and the charge-off balance, which is inconsistent. If late fees or penalties were applied, they must be itemized and legally validated. 
XXXX. Charge-Off Date Manipulation The account status reflects continuous charge-offs from XX/XX/XXXX through XX/XX/XXXX, which is a clear case of re-aging. According to the FCRA, accounts can only remain on a credit report for seven years from the first delinquency date. Since the account became delinquent in early XXXX, it should not be reported beyond XXXX, yet Experian is improperly re-aging the charge-off to reflect more recent delinquency dates. 
XXXX. Duplicate Delinquency Entries The payment history lists CO ( charge-off ) every month for four years ( XXXX ). A charge-off is a one-time event, and reporting it repeatedly violates FCRA XXXXXXXX XXXX XXXX XXXX which prohibits furnishing inaccurate information. 
4. Failure to Validate Debt Under XXXX XXXXXXXX, any disputed information must be fully verified with proper documentation from the data furnisher. I demand Experian provide : Original creditor agreement showing my signature Complete payment history from the original creditor Itemized breakdown of any fees and interest added 5. Consumer Financial Protection Bureau ( CFPB ) Violations The CFPB has recently sued Experian for failing to properly investigate disputed accounts ( CFPB XXXX Experian ). 
The CFPBs XXXX Supervisory Highlights specifically warned credit bureaus about re-aging charge-offs, which Experian has done in my case.

Demand for Immediate Deletion Since Experian has failed to report this account accurately, fairly, and fully verifiably, I demand immediate deletion of this account from my credit report. If this account can not be verified with proper legal documentation ( not automated responses ), it must be removed per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I expect this dispute to be investigated and resolved within 30 days, as required by federal law. If this issue is not corrected, I will escalate the matter by filing complaints with the CFPB, FTC, and State Attorney Generals office and exploring legal action against Experian for FCRA violations. 

Please send me an updated credit report reflecting this deletion. 

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