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: IN

Complaint narrative:
I am submitting this formal complaint against XXXX, XXXX, and Experian for their collective and ongoing violations of the Fair Credit Reporting Act ( FCRA ), including the inaccurate reporting of account information, failure to conduct reasonable reinvestigations, and persistent use of stalling tactics to avoid resolving disputes. These failures have caused significant harm to my creditworthiness and financial well-being. 

Additionally, this account in question has been dismissed by the courts due to inaccuracies presented by the debt collector, further substantiating my request for its immediate removal from all three credit reports. 

Account Information Creditor : XXXX XXXX XXXX XXXX ( XXXX ) Account Type : Credit Card Status : Charge-Off Overview of Reporting Errors Across Bureaus Each bureau has reported inaccurate and inconsistent information for this account, reflecting negligence and noncompliance with FCRA accuracy requirements : XXXX ( XXXX XXXX XXXX XXXX  ) : Inconsistent and Inaccurate Balance Reporting : XXXX reports a balance of {$1100.00}, which exceeds the original credit limit of {$1000.00}. 
Failure to Accurately Reflect Disputed Status : Despite my disputes, XXXX has failed to mark this account as disputed during their investigation process, violating FCRA Section 611. 
Failure to Conduct a Proper Reinvestigation : XXXX has failed to provide proof of reinvestigation or documentation of verification for the disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Balance Reporting : XXXX reports a balance of {$1700.00}, exceeding both the original credit limit and the amounts reported by XXXX and Experian. 
Impossible and Erroneous Payment History : XXXX payment history includes fictitious dates such as XX/XX/XXXX, which demonstrates a fundamental error in their reporting process. 
Failure to Accurately Reflect Disputed Status : XXXX has failed to mark this account as disputed and has sent stall letters in response to my disputes, delaying resolution and failing to meet FCRA requirements. 
Sham Investigations and Lack of Transparency : XXXX has not provided proof of a meaningful reinvestigation, including the sources consulted or how the information was verified. 
Experian ( Third Column in Photo ) : Inaccurate Payment History Reporting : Experian shows a payment history with repeated inaccuracies, including dates of XX/XX/XXXX and an unclear pattern of missed payments. 
Failure to Reflect the Disputed Status : Experian has not flagged this account as disputed despite multiple requests. 
Failure to Verify Information : Experian has not provided any documentation of their reinvestigation or proof of how the reported information was verified. 
Account Dismissal by Courts This account was dismissed by the courts due to inaccuracies presented by the debt collector. The dismissal establishes that the account is invalid and underscores the lack of accurate information being reported by all three credit bureaus. Despite this, the bureaus continue to report the account as a charge-off with conflicting balances, inaccurate payment histories, and without regard for its dismissal. 

Violations of the Fair Credit Reporting Act ( FCRA ) The actions of XXXX, XXXX, and Experian violate several provisions of the FCRA, including but not limited to : FCRA Section 611 ( Reasonable Reinvestigation ) : All three bureaus have failed to conduct reasonable reinvestigations, as evidenced by their continued reporting of inaccurate information despite being provided notice of disputes. 
FCRA Section 623 ( Accuracy of Information ) : The bureaus are required to ensure the accuracy and completeness of the information they report. The ongoing inconsistencies across their reports indicate a failure to meet this standard. 
Failure to Reflect Disputed Status : FCRA mandates that disputed accounts must be flagged as such during the reinvestigation process, which none of the bureaus have done in this case. 
Failure to Provide Proof of Reinvestigation : None of the bureaus have provided documentation of their reinvestigation, including the sources consulted or an explanation of how the information was verified. 
Reporting Impossible Dates and Fictitious Information : XXXX reporting of a fictitious date ( XX/XX/XXXX ) and Experians inconsistencies in payment history demonstrate their failure to maintain accurate records. 
My Formal Requests I respectfully request the CFPB to take immediate action to address these violations and require the following from XXXX, XXXX, and Experian : Immediate Removal of the NFCU Account : Due to the accounts dismissal by the courts and the inaccuracies reported, the account must be deleted from my credit reports across all three bureaus. 
Proof of Reinvestigation : Provide detailed documentation of the reinvestigations conducted, including : The name of the data furnisher and all sources consulted. 
An explanation of how the disputed information was verified. 
A summary of any changes made as a result of the reinvestigation. 
Compliance with FCRA Standards : Ensure all future reporting is accurate, complete, and reflective of any disputes submitted by consumers. 
End to Stalling and Sham Investigations : Hold all three bureaus accountable for their stalling tactics and sham investigations, ensuring they adhere to proper procedures when handling disputes. 
Conclusion The repeated inaccuracies, lack of transparency, and failure to conduct proper reinvestigations by XXXX, XXXX, and Experian are unacceptable. These violations not only harm me personally but also reflect systemic issues that must be addressed to protect consumers. 

I urge the CFPB to take swift and decisive action to hold these credit bureaus accountable. I have attached supporting documentation, including screenshots of the inaccuracies on my credit reports, for your review. 

Thank you for your attention to this matter. Please feel free to contact me for additional information or clarification.

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