Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Experian and XXXX for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Experian and XXXX for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with the following details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, Experian and XXXX continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. Experian and XXXX have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. 2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither Experian nor XXXX has provided the required documentation, further violating my rights under the FCRA. 3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX  XXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, Experian and XXXX continued reporting of the account suggests negligence in ensuring the accuracy of the information. 4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of Experian and XXXX. Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct Experian and XXXX to delete the inaccurate charge-off account from my credit reports. 2. Conduct a thorough investigation into Experian and XXXX non-compliance with the FCRA. XXXX. Enforce penalties if necessary to ensure compliance and protect consumer rights. I trust that the CFPB will take the necessary actions to ensure that Experian and XXXX comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.

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