Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX for multiple, documented violations of the Fair Credit Reporting Act ( FCRA ) specifically related to false reporting, failure to update, and failure to correct known inaccuracies following a full payoff. 

Recently employed by the XXXX XXXX XXXX XXXX XXXX XXXX in the role of XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which defends XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During this time, I was offered and accepted a new role at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result, I was immediately dismissed from my XXXX  role under XXXX XXXX XXXX XXXX XXXX  protocol, resulting in a verified, short-term hardship period during the clearance transition. 

I communicated with XXXX  asking for goodwill accommodation while I filed for unemployment and pledged to make my debt whole. Keeping in mind that this Charge Off wasnt reported yet, XXXX still charged off my account. That isnt illegal. 

But here is what they did next : On XX/XX/year>, I paid the full remaining balance of {$5700.00} - not a settlement, not partial - 100 % paid in full. 

I received a confirmation email directly from XXXX stating : We received your final payment the loan has been paid in full. 

That should have ended the matter. 

Instead, as of XX/XX/year>, nearly a full month later, XXXX is still reporting : An outstanding balance of {$1700.00} ( see screen capture/dates ) Charge-off status Potentially negative remarks A tradeline that appears active, unresolved, and delinquent This is a direct and unambiguous violation of : FCRA 623 ( a ) ( 2 ) : Failure to Update A furnisher shall not furnish information that is inaccurate or incomplete and shall promptly update information as necessary to make it complete and accurate. 

XXXX had the money, had written confirmation, and knew the status was no longer delinquent- yet they allowed false data to remain in active circulation with Experian ( and likely others ). 

This data was not corrected within XXXX reporting cycle, which is standard industry practice ( typically XXXX  days post-payoff ). As of today, it still reflects an unpaid, charged-off debt - despite having received every dollar owed. 

This isnt just negligent - its damaging. 

As a XXXX XXXX XXXX holder of both XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX, my career is under continuous clearance review. 

Inaccurate trade lines tied to charge-offs are flagged in automated systems, which can result in : Security clearance jeopardy Promotion denials Contracting restrictions Increased scrutiny or investigation by federal clearance agencies These are real consequences, and XXXX XXXX actions are not protected under the FCRA XXXX XXXX. This is willful disregard for accuracy obligations. 

Furthermore, I submitted disputes, questions, and clarification requests and received only generic, dismissive responses. No formal investigation was conducted. No FCRA citations were provided. No accurate corrections were made. 

This now constitutes a dual violation of : FCRA 623 ( a ) ( 2 ) : Failure to Update FCRA 623 ( b ) : Failure to Investigate After Dispute I am demanding : Full deletion of the tradeline across all CRAs Not paid charge-off - that is misleading, harmful, and factually inconsistent Investigation and enforcement by the CFPB Consideration of systemic furnishing practices at XXXX  that may impact other consumers This is not an isolated mistake- it is a pattern of behavior. 

I am prepared to pursue full legal remedy if deletion is not achieved. 

Sincerely, 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 explanation