Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Experian Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and XXXX XXXX XXXX XXXX XXXX XXXX Compliance Dear Experian, I am writing to formally dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inaccuracies on my credit report are severely impacting my XXXX XXXX and financial standing. The specific accounts in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Balance : {$1300.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1200.00} Last Payment Date : XX/XX/XXXX Highest Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
Balance : {$1600.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1500.00} Last Payment Date : XX/XX/XXXX Highest Balance : {$1600.00} XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$330.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Balance : {$590.00} Balance Updated : XX/XX/XXXX Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Highest Balance : {$590.00} Responsibility : Joint Discrepancies and Request for Deletion : XXXX. Payment History : Continuous Reporting Without Status Updates Violation : FCRA Section 623 ( a ) ( 5 ) ( A ) and XXXX XXXX guidelines require accurate reporting of the date of first delinquency and prohibit continuous reporting of collections or charge-offs if the debt has not been re-validated. The accounts XXXX and XXXX show continuous reporting of charge-offs from XXXX through XXXX. This ongoing reporting without proper status updates violates XXXX XXXX standards, as the account was never re-validated, yet it continues to negatively impact my credit report. 
XXXX. Status Updated vs. Balance Updated : Inconsistent Reporting Violation : FCRA XXXX XXXX ( b ) and XXXX XXXX guidelines mandate that credit report information must be accurate and up-to-date. Inconsistent reporting between the balance and status updates is a clear violation of these requirements. The XXXX XXXX XXXX  ( Account # XXXX ) shows discrepancies between the last reported date ( XX/XX/XXXX ) and the status updated date ( XX/XX/XXXX ). This inconsistency suggests that the information is not being accurately maintained and reported. 
Account-Specific Breakdown : XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Discrepancy : Continuous Reporting Without Status Updates. 
Violation : The account shows continuous charge-offs reported monthly from XXXX through XXXX. This repeated reporting without updating the status misrepresents the state of the account and violates XXXX XXXX guidelines. 
XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Discrepancy : Continuous Reporting Without Status Updates. 
Violation : The account shows continuous charge-offs reported from XXXX through XXXX, without appropriate status updates, violating XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX  ( Account # XXXX ) Discrepancy : Status Updated vs. Balance Updated. 
Violation : The account shows discrepancies between the balance and status update dates, with the last reported balance as of XX/XX/XXXX, while the status was last updated in XX/XX/XXXX, indicating a failure to maintain accurate reporting. 
Conclusion : Given these discrepancies and violations, I formally request the immediate deletion of these accounts from my credit report as they fail to meet the accuracy and compliance standards mandated by the FCRA and XXXX XXXX guidelines. 

Failure to address these discrepancies will result in further action, including considering legal action for continued violations of the FCRA. Please understand that the impact of these inaccuracies extends beyond creditworthiness ; they are directly affecting my ability to manage my financial obligations responsibly. 

I anticipate your response within 2 days upon receiving this letter. Non-compliance within this period will be taken as an agreement to permanently eliminate the disputed items from my credit report. 

Thank you for your prompt attention to this matter.

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