Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX and Experian for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) that were worsened after a recent reinvestigation. 
Despite my original dispute submitted in XX/XX/XXXX, Experian and XXXX have failed to correct and in fact intensified their illegal and inaccurate reporting of the following account : Creditor : XXXX XXXX  Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reported Balance : {$2500.00} Status : Charge-Off ( CO ), monthly XXXX XXXX XXXX Experian Updated as of : XX/XX/XXXX Key Violations ( Still Present After Reinvestigation ) 1. Repeated Charge-Off Reporting ( CO ) Every XXXX XXXX is being reported monthly from XX/XX/XXXX through XX/XX/XXXX, which is factually and legally incorrect. A charge-off is a one-time event, not a recurring status.

FCRA 623 ( a ) ( 1 ) ( A ) violation 2. XXXX  Late Payments The account allegedly closed in XX/XX/XXXX, yet Experian continues to report lates through XX/XX/XXXX including XXXX lates after charge-off and closure.

FCRA 623 ( a ) ( 5 ) 3. Balance Inflation Without Documentation The balance jumped from {$530.00} in XX/XX/XXXX to {$2500.00} by XX/XX/XXXX with no statement, itemized charges, or breakdown.

FCRA 1681s-2 ( b ), FDCPA 809 XXXX. XXXX XXXX XXXX XXXX XXXX shows the account as closed in XX/XX/XXXX, but Experian reports no closure and continues adding late payments. 
FCRA 1681e ( b ) 5. Failure to Properly Investigate My dispute clearly outlined these violations. Instead of deleting or fixing the tradeline, Experian updated the charge-off to XX/XX/XXXX, worsening the harm.

FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation.

6. No Debt Validation Despite Legal Action I am currently being sued over this tradeline but have never received validation of the debt, including a contract, itemized charges, or statements.

FDCPA 809 ( 15 U.S.C. 1692g ) Harm and Urgency This account is being used in legal proceedings against me. The false data is c
ausing : 1. Credit score damage 2. Legal and financial hardship 3. Reputational harm 4. Emotional distress This is not a request for correction. I am demanding immediate deletion of the tradeline due to systemic, willful violations.

Action Requested I am requesting the CFPB to : 1. Investigate XXXX XXXX  and Experians repeated FCRA and FDCPA violations 2. Require full deletion of the XXXX tradeline from all credit bureaus 3. Demand full Section 609 verification ( name of verifier, documents used, original contract, and billing breakdown ) 4. Enforce penalties for willful noncompliance and misleading credit reporting 5. Require immediate notification to me of actions taken and all responses from the data furnisher Thank you for your attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX ID Before/After credit report excerpts Original dispute letter Highlighted payment history showing violations

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