Consumer complaint received 2025-01-27 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: WA

Complaint narrative:
Subject : Failure to Conduct a Reasonable Investigation into Disputed Collection Account To Whom It May Concern : I am filing a formal complaint against Experian for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated the following sections of the FCRA : FCRA 611 ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable investigation of my dispute regarding a collection account with XXXX XXXX XXXX. 
FCRA 611 ( a ) ( 5 ) ( A ) : Experian has not corrected or deleted inaccurate or unverifiable information after the completion of the dispute process. 

Issue Summary : A collection account with XXXX XXXX XXXX tied to the original creditor XXXX XXXX  is inaccurately reported on my credit report. The account contains inconsistencies in data reported by Experian, XXXX, and XXXX. Additionally, XXXX XXXX XXXX has fraudulently altered the last payment date, restarting the statute of limitations. No payments were made after XXXX, yet Experian inaccurately reflects the last payment date as XX/XX/XXXX. 

This inconsistency is further underscored by the fact that the original XXXX XXXX credit account was charged off in XX/XX/XXXX. It is impossible for the last payment date to be XX/XX/XXXX when the charge-off process began nearly two years prior.

Despite submitting disputes and providing supporting evidence, Experian has : 1. Failed to conduct a reasonable investigation in compliance with FCRA 611.

2. Not corrected or removed the inaccurate information as required by FCRA 611 ( a ) ( 5 ) ( A ). 

Details of the Disputed Account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original XXXX XXXX Account Information : Opened : XX/XX/XXXX Status : Closed Balance : {$0.00} Balance Updated : XX/XX/XXXX Collection Account with XXXX XXXX XXXX  : Account Number : XXXX Opened : XX/XX/XXXX Original Balance : {$11000.00} Balance Updated : XX/XX/XXXX Status : Collection account {$11000.00} past due as of XX/XX/XXXX. 

Key Inconsistencies : The date of last payment is inaccurately re-aged by XXXX XXXX XXXX across all bureaus, particularly in Experians records. 
The Experian report claims a last payment date of XX/XX/XXXX, which is impossible given that the original XXXX XXXX account was charged off in XX/XX/XXXX. 
XXXX and charge-off timelines differ significantly among the XXXX bureaus, with Experian presenting the most inaccurate and damaging information.

Requested Resolution : 1. Immediate deletion of the XXXX XXXX XXXX collection account from my credit report due to inaccurate and unverifiable information. 
XXXX. Correction of the reported last payment date across all accounts to reflect the accurate timeline of no payments after XXXX. 
XXXX. Written confirmation detailing the investigation process and its findings, as required by the FCRA. 

Experians failure to investigate and rectify these discrepancies violates my rights under the FCRA and has caused undue harm to my credit profile. I request the CFPBs assistance in ensuring Experians compliance with federal law and addressing this matter promptly. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants.

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