Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Title : Inaccurate Reporting of XXXX Card Account on Credit Report Complaint Description : I am disputing the reporting of a XXXX Card account ( [ Account Number : XXXX ] ) on my credit report, as the information is inaccurate, incomplete, and misleading. Despite my prior dispute, the reporting remains flawed, and further investigation is required.

Issues with the Reporting : Failure to Reflect Third-Party Debt Collection Assignment : A representative from Client Services verbally confirmed that this account was assigned to their agency for collection between XX/XX/year> and XX/XX/year>. However, this assignment is not reflected in the credit report. 
After XX/XX/year>, the account was returned to XXXX XXXX XXXX. The failure to document the transfer and return creates an incomplete and misleading account history. 
Conflict Between Charge-Off and Past-Due Status : The account is listed as charged off as of XX/XX/year> with a balance of {$780.00} written off. However, it also continues to report a {$780.00} past-due amount as of XX/XX/year>. 
A " charge-off '' status should reflect a {$0.00} past-due balance because the creditor no longer actively collects on the debt. Reporting both statuses simultaneously creates a false and inaccurate representation of the account.

Ongoing Updates Despite Charge-Off : The account continues to reflect balance updates, most recently as of XX/XX/year>, despite the charge-off in XX/XX/year>. This gives the false impression that the account remains active or is still being managed directly by XXXX. 
FCRA Violations : FCRA 623 ( Accuracy of Information ) : XXXX has failed to provide accurate and complete reporting of the account, particularly regarding the assignment to and return from Client Services, the charge-off status, and the conflicting past-due balance.

FCRA 611 ( Dispute Resolution ) : Despite my previous dispute, the credit bureau ( Experian ) failed to ensure accurate reporting by reconciling the discrepancies in Chases reporting. 
What I Want to Happen : To resolve this issue, I request the following actions : Remove the XXXX Card Account from My Credit Report : Due to reporting inaccuracies and Chases failure to reconcile conflicting information about the accounts status and history. 
Verify Account Details with Chase : Provide a complete account history, including : Documentation of the assignment to Client Services in XX/XX/year>. 
Confirmation of the account 's return to XXXX after XX/XX/year>. 
Update Reporting if Verified : If XXXX can substantiate its reporting, ensure it reflects : A {$0.00} past-due balance for a charged-off account. 
Accurate historical details, including the third-party collection activity.

Supporting Documents : Screenshot of Credit Report : Highlighting the conflicting charge-off and past-due statuses. 
Notes from Verbal Confirmation with Client Services Representative : Include the details shared about the assignment timeline ( XX/XX/year> to XX/XX/year> ). 
Legal Basis for My Complaint : FCRA 623 : XXXX is obligated to furnish accurate and complete information. Their failure to report the debts transfer to Client Services and subsequent return violates this provision.

FCRA 611 : Experian is required to investigate and reconcile inaccurate information during disputes. Their failure to address these discrepancies demonstrates noncompliance.

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