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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Member Number ID XXXX Subject : Dispute of Incorrect Charge-Off Entry on Credit Report Dear Experian, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the charge-off reported by XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, Amount {$54000.00} is erroneous and does not accurately reflect the current status of the account. 

XXXX. XXXX XXXX account date opened XXXX no account number {$3100.00} reported has a charged off with no account number to identify it my account. 
XXXX. XXXX acct XXXX date opened XXXX. Balance report {$3600.00} XXXX. XXXX XXXX  account number XXXX Account {$3700.00}. Date open XXXX Under FCRA Section 611, I have the right to dispute incomplete or inaccurate information, and the credit bureau has a legal obligation to investigate the matter thoroughly. I have reviewed my records and identified that this charge-off may have been reported inaccurately due to the following : XXXX. Federal Case Status : This account is related to XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX ) .The plaintiff claimed that the defendants violated the FCRA by inaccurately reporting her debt as charged off. The court 's ruling highlighted the critical role of accurate reporting and the necessity for plaintiffs to present substantial evidence of inaccuracies and resultant harm. which is impacting my credit report.

2. Violation of Reporting Guidelines : As per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy. Reporting a charge-off while the account is under dispute or litigation may constitute a breach of this requirement.

3. Reinsertion Rules : If this charge-off has previously been removed or disputed, reinsertion without proper validation under FCRA Section 611 ( a ) ( 5 ) ( B ) would be unlawful.

4. Including the Data breach at Experian in XXXX  and XXXX. Failure to properly investigated disputes please See Consumer Financial Protection Bureau, Plaintiff, vs. Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX Filed XX/XX/XXXX. 


I request that you investigate this matter promptly and either verify the accuracy of the charge-off with proper documentation from this Companies or remove the entry from my credit report. Enclosed, please find the following documents to support my dispute : Copy of the credit report showing the disputed entry Please complete this investigation within the 30-day timeframe mandated by the FCRA. I expect written confirmation of your findings and the resulting actions to be taken regarding this entry. Requesting the removal of this negative information and account of my credit report. 

Should you require further information or documentation, feel free to contact me at XXXX Thank you for your prompt attention to this matter. 

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