Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, Experian, and XXXX. Significant inconsistencies exist in how this account is being reported across the bureaus, raising concerns about the accuracy and completeness of the information being furnished. 

Discrepancies and Issues Identified : Account Balance : XXXX, Experian, and XXXX all report a balance of {$1900.00} ; however, the account is marked as " Closed '' in each instance, which contradicts the balance owed. 
Payment Status : All three bureaus report the payment status as " Charged off '' or " Charged off as bad debt. '' This status is concerning as no documentation has been provided to substantiate the charge-off.

Dates of Activity : Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. These discrepancies suggest the accounts activity dates have not been accurately verified. 

Date of Last Payment : XXXX and Experian report XX/XX/XXXX, whereas XXXX lists XX/XX/XXXX. This inconsistency impacts the accounts validity under the Fair Credit Reporting Act ( FCRA ). 
Payment History : XXXX inaccurately reports " OK '' payments for certain months during XXXX while simultaneously marking the account as a charge-off in other months. This conflicting information demonstrates a lack of proper validation and oversight in the reporting process. 

Comments : XXXX includes " Profit and loss write-off, '' and XXXX notes `` CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but Experian lacks any comparable details, highlighting an incomplete and inconsistent investigation process. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistencies and contradictions in this account 's reporting demonstrate a clear failure to adhere to these standards. 

Furthermore, XXXX 's and Experian 's documented history of inadequate reinvestigation practices ( " sham investigations '' ) raises additional concerns about the integrity of their review process and compliance with legal requirements. 

Actions Requested : Conduct a detailed and thorough investigation into this accounts reporting across XXXX, Experian, and XXXX. 
Provide verification of all reported information, including : Documentation of the charge-off and proof of the original balance. 
Accurate and consistent dates of activity and payment. 
Clarification of the accounts payment history. 
Remove any inaccurate, unverifiable, or inconsistent information from my credit reports. 
Confirm the results of the investigation and actions taken in writing within the 30-day timeframe specified by the FCRA.

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