Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Request for Immediate Deletion Due to Experians FCRA Violations Reflecting CFPB Case No. XXXX Complaint : Dear CFPB, I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute about inaccurate reporting on my XXXX  XXXX account ( Account Number : XXXX ). Experians handling of my dispute directly reflects the systemic issues highlighted in CFPB v. Experian Information Solutions , Inc. ( Case No. XXXX ), including inadequate investigation practices, failure to ensure accuracy, and vague dispute results. 

Background of the Dispute : The XXXX XXXX account in question was charged off on XX/XX/year>, but it continues to be inaccurately reported as both charged off and past due. This dual reporting is inherently misleading, as a charge-off is a one-time event and does not indicate ongoing delinquency. Despite submitting multiple disputes and evidence, Experian has allowed this inaccurate reporting to persist, causing harm to my creditworthiness and financial stability. 

How Experians Actions Reflect the CFPB Lawsuit Allegations : Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) Experian failed to address the core issue of my dispute : whether reporting both a charge-off and a past-due balance is accurate. Instead, they relied solely on XXXX XXXX  response without conducting an independent evaluation. 
Over-Reliance on Furnishers Responses Experian deferred entirely to XXXX XXXX  verification, despite my evidence that the reporting is inaccurate and misleading. This mirrors the allegations in CFPB Case No. XXXX that Experian relies excessively on furnishers without independently verifying the accuracy of disputed information. 
Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) Experian has not taken steps to ensure the maximum possible accuracy of my credit report. The simultaneous reporting of a charge-off and a past-due balance creates a false impression of recurring delinquency. 
Inadequate Consumer Notifications Experians dispute results letter provided no explanation of the investigation process, the steps taken to verify the information, or why the account remains unchanged. This lack of transparency aligns with the CFPBs allegations against Experian.

Harm Caused by Inaccurate Reporting : The misleading reporting of this account has caused significant harm to my credit score and financial opportunities, creating an unjust portrayal of my credit risk for potential creditors. 

Requested Resolution : Given Experians inability to resolve this issue and their violations of FCRA standards, I request the immediate deletion of this account from my credit report. This is the only fair resolution to prevent further harm to my financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt action to address these issues. 

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