Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I have been engaged in ongoing correspondence with XXXX XXXX regarding erroneous reporting on my credit file. While the precise date of my initial dispute with XXXX XXXX through the three primary credit bureaus is not readily available, I can confirm that I commenced receiving correspondence from Experian, XXXX, and XXXX on XX/XX/2024. 
The nature of my dispute centered around the classification of the account as charged off, a status that, according to regulations, constitutes a certificate of indebtedness and must therefore be expunged from credit records as it represents taxable income. XXXX and XXXX promptly acknowledged and rectified the issue by removing XXXX XXXX from their respective reports. However, Experian persisted in retaining the account, merely updating its status without deletion. 
Subsequently, on XX/XX/2024, I contacted Experian 's dispute center to request an update to the existing dispute, as I was unable to file a duplicate. I reiterated the original dispute 's details and included additional information regarding the lack of notice or opportunity to prevent the disclosure of my information to third parties, citing 15 U.S. Code 6802 ( b ). 
On XX/XX/2024, I received a response from Experian reiterating their decision not to remove the account. Despite subsequent complaints outlining the same concerns and emphasizing the inaccuracies in reporting, Experian and XXXX XXXX remained obstinate. 
I would like to include that upon recognizing the unlawful conduct, I promptly notified XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX of their transgressions. While XXXXXXXX XXXX and XXXX XXXX XXXX took corrective action and were subsequently removed from my credit report, XXXX XXXX and Experian persisted in their non-compliance. 
This persistent illegal reporting has had significant adverse effects on my financial standing, including a recent denial for a car loan solely attributable to my credit score. I firmly believe that if XXXX XXXX had adhered to legal requirements, this denial could have been avoided. 
Consequently, I am formally requesting the deletion of the XXXX XXXX account from my Experian credit report and the imposition of maximum fines, as prescribed by law, upon the involved parties for their violations, totaling {$1000.00} USD, payable to me as XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX  XXXX, California XXXX. 
Furthermore, I seek fines of {$700.00} USD each against XXXX XXXX XXXX and XXXXXXXX XXXX for their unlawful reporting, with the checks made payable to me at the aforementioned address. 
In addition to financial compensation for the damages incurred, I am seeking compensation of no less than {$2000.00} USD from each company in violation, totaling {$6000.00} USD, payable to me as XXXX XXXX XXXX at the provided address. 
Attached herewith are PDF files containing evidence of the deleted accounts, demonstrating their non-compliance with federal and consumer protection laws, as well as proof of XXXX XXXX ' refusal to adhere to regulations. 
I earnestly hope for a swift and satisfactory resolution to this matter. Thank you for your attention and consideration. 

Sincerely, XXXX XXXX XXXX My Contact information is as follows : Name : XXXX XXXX XXXX XXXX Last 4 of social : XXXX Mobile : XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Ca XXXX Email : 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 non-monetary relief