Consumer complaint received 2025-04-18 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:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Incomplete Reinvestigation Results by Experian on XXXX XXXX Account Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Experian for continuing to report inaccurate and misleading information regarding my XXXX XXXX account ( Account Number : XXXX ), even after completing a reinvestigation in XX/XX/XXXX pursuant to my dispute filed under the Fair Credit Reporting Act ( FCRA ). 
Following my dispute, Experian updated the account data ; however, the reporting remains inaccurate and violates multiple sections of the FCRA. I respectfully request the CFPB 's assistance in reviewing the following unresolved issues that constitute serious compliance violations : 1. Failure to Correct Inaccurate Charge-Off Reporting ( FCRA 607 ( b ), 611 ) The account reflects a charge-off as of XX/XX/XXXX, while the payment history shows delinquencies starting from XX/XX/XXXX and reaching charge-off status by XX/XX/XXXX. Reporting a charge-off in XX/XX/XXXX appears to be a re-aging of the account to make it appear more recent, which is misleading and a violation of FCRA 605 ( c ).

2. Inaccurate Balance and Limit Information Original Balance : {$320.00} Highest Balance : {$400.00} Charged-Off Balance : {$390.00} These figures are contradictory and inconsistent. The charged-off amount exceeds the original balance and lacks documentation or explanation. The addition of fees and interest that inflate the balance above the credit limit without disclosure is misleading to future creditors. 
XXXX. Incomplete and Inconsistent Payment History The payment history continues to show the account as charged off from XX/XX/XXXX through XX/XX/XXXX, without evidence of continued payments or activity. This suggests ongoing delinquency when the account had already been charged off, which creates the false impression of prolonged negative activity.

4. Failure to Provide Documentation Supporting Reinvestigation ( FCRA 609 ( a ), 611 ( a ) ) Experian updated the account but failed to provide the documentation used to verify the accuracy of the reported information, including any original signed agreements, billing statements, or payment ledgers. The FCRA requires that consumers be allowed access to such information.

5. Inadequate Response to Dispute Experian responded with the notation Completed investigation of FCRA dispute - consumer disagrees, without correcting the data or removing unverifiable information. This demonstrates a failure to conduct a reasonable reinvestigation and violates the spirit and letter of FCRA 611.

6. Failure to Remove Disputed Information That Can not Be Verified ( FCRA 611 ( a ) ( 5 ) ( A ) ) If the creditor did not provide sufficient evidence to verify the disputed information, Experian is required by law to delete the information. Their failure to do so demonstrates
noncompliance with their legal obligations.

Requested Resolution : Immediate removal or correction of the XXXX XXXX account from my Experian credit report.

Disclosure of all documentation used during the reinvestigation.

Regulatory review of Experian 's compliance with the FCRA regarding this dispute. 
Please find attached a summary of the account details, Experians reinvestigation response. I appreciate your time and attention to this matter, and I look forward to your prompt assistance in ensuring my consumer rights are protected.

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