Consumer complaint received 2024-12-17 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:
I am submitting this complaint to request a full investigation and immediate removal of inaccurate information regarding the following account on my credit report : Account Information : Account Name : XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide an accurate and transparent description of the procedures used to investigate disputes. Despite previous verifications, this account contains multiple reporting inaccuracies that have caused undue harm to my credit profile.

List of Inaccuracies on the Account : Payment History Progression is Inaccurate : The payment history for XXXX shows inconsistent reporting : XX/XX/XXXX is marked as 180 days late, but there is no logical payment progression leading up to this ( XXXX and XXXX reflect smaller late payments or gaps ). 
XX/XX/XXXX is reported as charge-off ( CO ), yet the necessary sequence of XXXX, XXXX, XXXX, XXXX, and XXXX  days late leading to a charge-off is missing. 

Charge-Off Date Conflict : The account reports a charge-off in XX/XX/XXXX, but the last payment date is XX/XX/XXXX. 
A charge-off typically occurs after 180 days of delinquency, meaning this reporting timeline is inconsistent and appears to violate FCRA rules on accurate reporting. This discrepancy raises concerns about re-aging of the account, a serious violation of federal law. 

Balance Exceeds Credit Limit : The highest balance is reported as {$660.00}, which exceeds the stated credit limit of {$250.00}. 
This inconsistency indicates potential errors in applying fees, penalties, or interest and further violates FCRA guidelines requiring accuracy. 
Account Status Conflicts : The status of the account is reported as " Closed. {$660.00} written off '', yet the balance is {$0.00}. 
If the balance is indeed {$0.00}, then reporting it as written off creates a contradiction that unfairly impacts my credit score.

Incomplete Payment History : For XXXX, payment history entries for XXXX through XXXX are blank or missing ( " '' ). 

This incomplete reporting violates FCRA provisions requiring credit reporting agencies to ensure maximum possible accuracy and completeness. 
Violations Cited : Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ) : I have the right to request and dispute the completeness and accuracy of this information.

FCRA Section 611 ( 15 U.S.C. 1681i ) : This inaccurate information must be reinvestigated, verified, or deleted immediately if it can not be proven accurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Data furnishers must report complete and accurate information, which is not the case here.

FCRA Section 607 ( 15 U.S.C. 1681e ) : Credit reporting agencies must follow reasonable procedures to ensure accuracy and transparency, which has not been upheld. 

I request that the credit reporting agency provide a detailed description of the reinvestigation process and verification steps taken for this account. 
Given the numerous inconsistencies, I demand that this inaccurate account be deleted from my credit report immediately. 

If you are unable to verify the accuracy of this information, the account must be removed under FCRA guidelines. I expect a prompt resolution and a written confirmation within the required 30-day timeframe. Failure to comply will result in further legal action to enforce my consumer rights. 

Thank you for your immediate 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