Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Experian Information Solutions XXXX XXXX ( Experian ) pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. 
XXXX et seq. My concerns pertain to Experians negligent handling of my disputes concerning inaccurate information on my credit report, including a charge-off from XXXX XXXX XXXX XXXX and XXXX erroneous balance from XXXX XXXX XXXX These issues have persisted despite multiple disputes and the submission of supporting evidence, resulting in potential harm to my creditworthiness. 

Description of the XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : My Experian credit report lists a charge-off in amount of {$2300.00} as of XX/XX/XXXX, classified as Paid, Closed with extensive delinquencies noted from XXXX to XXXX. This item has been disputed multiple times, most recently in XX/XX/XXXX and XX/XX/XXXX, with Experian concluding the investigation without changes, citing verification by the furnisher. 
However, Experian has since restricted my ability to file further disputes on this account, potentially under their Suspicious Mail XXXX, despite my provision of new evidence. Notably, this charge-off does not appear on my credit reports from XXXX XXXX, XXXX XXXX, raising questions about its accuracy and Experians obligation to ensure maximum possible accuracy under FCRA XXXX XXXX b ). This inconsistency suggests a failure to conduct a reasonable reinvestigation as required by FCRA XXXX. 

XXXX. XXXX XXXX : My Experian report shows this account as Pending with an inaccurate balance of {$180.00}, a prior balance of {$420.00}, and a monthly payment of {$260.00} ( DOES NOT MAKE ANY SENSE ) despite my account having a {$0.00} balance and no active orders since at least XX/XX/XXXX. I have disputed this item, providing screenshots of my Sezzle dashboard and transcripts of communications with Sezzle support ( e.g., Ticket References : XXXX, XXXX, XXXX ) XXXX where agents confirmed no outstanding balance and explained monthly reporting snapshots. 
XXXX reinvestigation resulted in no changes, and the item remains unresolved, potentially violating FCRA requirements for timely and thorough investigations. XXXX policy under their XXXX XXXX program supports that only enrolled accounts are reported, and my evidence indicates no delinquency. 

These disputes were initiated in accordance with FCRA procedures, yet XXXX responses have been ambiguous ( e.g., Updated or Remains without detailed explanations ), and they have not adequately forwarded my documentation to the furnishers or independently verified the information. 
This pattern aligns with allegations in the CFPBs ongoing lawsuit against Experian ( filed XX/XX/XXXX ), which accuses the agency of conducting sham investigations, failing to convey relevant dispute details, and over-relying on furnisher certifications without scrutiny. 

The inaccuracies have contributed to a lower XXXX XXXX than the other XXXX bureaus and has affected my ability to secure financing. I have attached copies of : My Experian credit report dated XX/XX/XXXX. 
Screenshots of my XXXX account showing a {$0.00} balance. 
Transcripts and emails from XXXX support confirming no balance. 
Dispute results from Experian indicating no changes. 
I have yet to receive satisfactory resolutions despite repeated efforts, and XXXX restrictions on further disputes may constitute an improper barrier to my FCRA rights. Due to these ongoing issues and the lack of effective enforcement, I plan to pursue legal action against Experian and potentially against the CFPB if sufficient enforcement measures are not taken in response to this complaint.

Company response to consumer: Closed with explanation