Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
Supplemental CFPB Complaint Experians XX/XX/XXXXXXXX  Dispute Response # XXXX - Failure to Investigate and Ongoing Reporting of a Falsely Charged-Off Account Dispute Report References : 1. Experian Report # XXXX ( Dated XX/XX/XXXXXXXX  ) 2. CFPB Complaint # XXXX - Includes XXXX  XX/XX/XXXX & XX/XX/XXXX letters 3. CFPB Complaint # XXXX - Includes Financial statements & Promissory note, XX/XX/XXXX investigation results, charge off notations from XXXX Overview of Challenge Dispute This is a supplemental challenge dispute against Experian for their failure to correct false and unverifiable credit reporting regarding an XXXX XXXX account ( Acct. # XXXX ). Despite clear and repeated evidence proving the account was paid in full with no delinquencies, Experian continues to report : XXXX. A charge-off dated XX/XX/XXXX XXXX. A {$2500.00} past-due balance 3. Ongoing monthly CO notations XXXX through XX/XX/XXXX XXXX Experians XXXX XXXXXX/XX/XXXX dispute result claimed the tradeline was Verified and Updated, yet no factual corrections were made. The same inaccurate data remains, and Experian has never addressed the extensive evidence I submitted. 

Summary of Evidence Submitted My prior disputes included : 1. A signed promissory note showing 9 month term/18 payments twice a month totaling {$2700.00} and loan end date XX/XX/XXXX. 
2. Bank records proving I made 22 payments totaling {$3400.00} between XX/XX/XXXX and XX/XX/XXXX XXXX. Experian credit reports showing on-time payment status with no delinquencies 4. Letters from XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXXXXXX  ) and a recorded call with XXXX  ( XX/XX/XXXX ) admitting the account was transferred to collections 5. A complete absence of any collection activity, validation notices, or legally required documentation Despite all this, Experian continued to uphold the charge-off and failed to correct or delete the tradeline, violating their obligations under the FCRA and Metro 2 guidelines. 

The Account Was Fully Paid and Never Delinquent According to the loan agreement, I was obligated to make 18 biweekly payments of {$150.00} ( totaling {$2700.00} ). I exceeded that obligation by making 22 payments totaling {$3400.00}, with my final payment occurring XX/XX/XXXX. 

Experians own credit reporting confirms : 1. All payments from XX/XX/XXXX to XX/XX/XXXXXXXX  were marked OK ( on time ) 2. No 30/60/90 day late indicators are present during the length of the loan 3. No delinquency or default was ever reported prior to the charge-off There is no valid Date of First Delinquency ( DOFD ), which is a Metro 2 and FCRA requirement when furnishing derogatory tradelines. 

4. Charge-Off and Balance Are Fabricated Experian reports the account as charged off in XX/XX/XXXX with a remaining balance of {$2500.00}. This is legally impossible, given that I overpaid the loan by more than {$600.00} and no missed payments occurred. 

Neither XXXX nor XXXX has ever : 1. Provided an itemized breakdown of the balance after 22 payments 2. Disclosed how this amount could be due after 9 month full repayment 3. Cited any contractual clause authorizing a charge-off after performance This is a fabricated balance with no legal or contractual basis, and Experian is enabling this false reporting. 


XXXX. Account Ownership and Collections Reporting Are Inaccurate XXXX  and XXXX  have admitted the account was placed with multiple third-party collection agencies since XXXX. On a recorded call on XX/XX/XXXX, XXXX stated the account is currently in collections with XXXX. However : 1. I have never received any collection notices or validation letters 2. No collector has ever contacted me 3. Experian has never reported a collection tradeline or referenced any transfer 4. No chain of title or legal reassignment has been documented Despite these admissions, Experian continues to report XXXX as the active furnisherviolating FCRA 623 ( a ) ( 5 ) and Metro 2 transfer code requirements. 

6. Experian Failed to Investigate in Good Faith I have submitted over 25 disputes since XXXX. Each time, Experian returned a generic Verified and Updated response with no acknowledgment of the evidence submitted. 

Experian has ignored : 1. The loan agreement and payment history 2. The absence of delinquency or default during the life of the loan 3. Conflicting information from the creditor 4. My formal documentation of overpayment and proof of no collection activity This violates FCRA 611 ( a ) and 611 ( a ) ( 5 ) and demonstrates willful disregard for consumer rights. 

7A. Deceptive Charge-Off Summary ( Proof of FCRA and Metro 2 Violations ) This summary confirms that the charge-off is false, unverifiable, and illegally reported : 1. The loan was fully paid. Promissory note shows {$2700.00} due ; I paid {$3400.00} ( 22 payments ).

2. No delinquencies. Experian shows OK payment history XX/XX/XXXXXXXX XXXX XXXX 
3. Fabricated balance. A {$2500.00} charge-off was reported despite overpayment and after loan term ended. 
XXXX. No collection activity. I never received a validation notice, collection letter, or demand. 
5. Contradictory creditor statements. XXXX and XXXX contradict each other in letters and calls. 
6. Ownership conflict. XXXX confirms the account is in collections ; Experian still lists XXXX. 
7. No accounting or breakdown. No itemized statement has ever been provided.

8. Missing DOFD. No Date of First Delinquency is reported.

9. Repeated dispute failures. More than 25 disputes were submitted none addressed the facts.

These facts demonstrate the charge-off was intentionally deceptive, and the tradeline is legally unverifiable under FCRA 611 ( a ) ( 5 ).

8. Violations and Damages Claimed 1. FCRA 607 ( b ) : Experian failed to ensure maximum possible accuracy {$5000.00} 2. FCRA 611 ( a ) : Experian failed to conduct a reasonable reinvestigation {$10000.00} 3. FCRA 611 ( a ) ( 5 ) : Experian failed to delete unverifiable information {$6000.00} 4. FCRA 623 ( a ) ( 1 ) ( A ) : XXXX and XXXX furnished known inaccurate information {$8000.00} XXXX damages sought : $ XXXX XXXX. Formal Demand for Deletion and Notice of Legal Action I am requesting the following actions : 1. Immediate deletion of the XXXX XXXX tradeline from my Experian credit file 2. Written confirmation of deletion and confirmation that it will not be reinserted 3. Cessation of all future reporting from XXXX or XXXX regarding this account 4. Compensation for actual, statutory, and punitive damages under FCRA 616 and 617 My Legal Right to Sue and Prevail Under the Fair Credit Reporting Act ( FCRA ) and federal consumer protection law, I have the full legal right to file a civil lawsuit and seek both actual and punitive damages when : 1. A furnisher ( XXXX XXXX  ) willfully or negligently reports false information [ FCRA 623, 15 U.S.C. 1681s-2 ] 2. A credit bureau ( Experian ) fails to conduct a reasonable reinvestigation or continues reporting unverifiable data [ FCRA 611, 15 U.S.C. 1681i ] 3. Any party fails to ensure the accuracy and completeness of data furnished to consumer reporting agencies [ FCRA 1681e ( b ) ] 4. The reporting or collection of debt involves deceptive, abusive, or misleading practices in violation of UDAAP standards [ XXXX XXXX. XXXX and XXXX ] I have submitted multiple disputes over a five-year period, provided bank statements, payment histories, promissory note excerpts, and letters from XXXX XXXX  that directly contradict the credit reporting. Despite this overwhelming evidence : 1. Experian repeatedly verified false information, violating their duties under 611 ( a ) ( 1 ) 2. XXXX XXXX  fabricated a charge-off, despite documentation proving I paid the full loan balance by XX/XX/XXXXXXXX  3. Neither party provided validation, itemization of the alleged balance, or any explanation of how the account remains reportable after third-party collection transfers These violations are not minor or technical they are documented, repeated, and willful. 

Under FCRA 616 and 617, I am entitled to : 1. Actual damages 2. Punitive damages for willful noncompliance 3. Statutory damages ( up to {$1000.00} per violation ) 4. Court costs and attorneys fees The evidence is overwhelming, the legal violations are clear, and the continued harm is undeniable. Should this matter proceed to litigation, I am fully prepared to prove not only that my rights were violated, but that both XXXXXXXX XXXX  XXXX and Experian acted with willful disregard for the truth and the law.

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